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Introduction and Options

The cost of health insurance is constantly increasing andthat is a big problem for many people as they cannot pain for the insurancepremiums which sometimes tend to get rather expensive. That is why some peoplego through periods of no health insurance coverage at all. Some people alsohave problems with health insurance which does not cover their plans. Lowincome families find it very difficult to obtain health insurance. Lower incomefamilies may look for health insurance discount cards which can be used when afamily puts aside money on a regular monthly basis in order to cover its healthcoverage. The card provides discount rates for every doctor or hospital visit.Those who are in a transitional period and need a temporary solution for thecoverage may find these cards to be quite helpful. One may also opt for shorttime health insurance which comes very handy, especially is a persontransitions between different jobs. The specified period of time of coverageinvolves a lower rate for the insurance. Lower income families may also try outgroup health expenses sharing plans .This involves group plans and much lowerrate, because people in the group help insure one another. Nonprofit groups andreligious organizations often use this type of insurance plan. Catastrophichealth insurance may also cover the person in most major emergencies, and thepremiums are significantly lower than the ones associated with other sorts ofinsurance plans. The deductibles are very high, though. There are also various governmentprograms which may be of great help for all those who have problems findingaffordable health insurance plans. Different states have different programs whichare designed to comply with their state laws.

Government Programs

Medicare is available for low income families, children,older people, disabled people and those who are unemployed and it is funded bythe federal government and the state. One has to be a citizen of the UnitedStates in order to use Medicare. Mediaid is another similar program which alsoincludes pregnant women on the list of eligible individuals. State Children's Health Insurance Programs(SCHIP) is a program that covers the health costs of each and every child inthe United States, and it does not interfere with other programs. Privatehealth insurance companies also have insurance plans for low income families.Other options include health saving accounts, mini medical insurance and HealthMaintenance Organization Plans.

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