Best Health Insurance Plans For Low Income Families

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Learn about the best health insurance plans for low income families. Secure your family’s health and well-being now!

If your family doesn’t have a lot of money, finding good and affordable health insurance can be hard. Without proper insurance, it can be expensive to see a doctor or get medicine, making it tough to stay healthy and avoid money problems.

There are health insurance plans made just for families like yours. These plans are not too expensive and cover many medical needs. They help make sure you and your family can see a doctor and get medicine without spending too much money.

In this blog post, you will learn about the best health insurance plans for families with low incomes in the USA. We will give you lots of details about each plan to help you find the one that fits your family’s needs. This way, you can feel safe and secure when it comes to medical care.

Why Health Insurance Is Important for People With Low Incomes?

Even though health insurance can cost a lot, it helps you save money in the long run. Health insurance is like a safety net that keeps you healthy without spending too much. This is especially helpful for people who don’t have a lot of money. 

Insurance Makes Preventive Care Easier For You

Preventive care includes things like getting a flu shot, visiting the dentist, or having a cancer screening. These are regular check-ups to keep you healthy. With insurance, these visits cost less, which means you’re more likely to go.

This helps you stay healthy and avoid bigger, more expensive health problems later.

Insurance Helps You In Emergencies

Medical emergencies can happen to anyone and can be very expensive. Without insurance, even one trip to the hospital can put you in a lot of debt. If you need ongoing medical treatment, like for cancer, it can be even harder to pay for without insurance. 

While insurance might seem expensive, it usually costs less than paying for an emergency out of your pocket.

The Law Says You Need Health Insurance

According to the ACA (Affordable Care Act), everyone is required to have health insurance. If you don’t have it, you might have to pay a fine. Since there are affordable insurance options, it’s better to get the comprehensive health insurance coverage you need. 

This way, you avoid fines and are protected if a medical emergency happens. Health insurance has many benefits for you. It can save you money and help keep you and your loved ones healthy. 

If your family doesn’t have a lot of money, health insurance is even more important because it helps you get the care you might not be able to afford otherwise.

Eligibility Criteria for Low-Income Families to Qualify for Free Health Insurance Plans

When you’re looking for free or low-cost health insurance in the United States, the rules can differ depending on where you live. But some common things can help you know if you might qualify:

Income Level: One of the main things they look at is how much money your family makes. If your family’s income is below a certain amount, you might qualify for free or low-cost health insurance. This amount can differ depending on your state and how many people are in your family.

Family Size: How many people are in your family also matters. Bigger families might be able to make a little more money and still get help.

Citizenship or Immigration Status: To get Medicaid or CHIP, you must be a U.S. citizen or a legal immigrant. If you’re not a citizen, you might still be able to get emergency medical help.

Residency: You need to live in the state where you’re applying for health insurance. You might need to show proof that you live there.

Other Factors: Some states might also look at other things like your age, if you’re pregnant if you have a disability, or if you have certain medical needs.

Health Insurance for Low Income Families by Government 

1. Medicaid

Credit: Medicaid

Medicaid is a program that helps people who don’t have a lot of money get health insurance from the government. This insurance covers almost all the medical care you need, which means it takes care of a lot of things to keep you healthy.

For most people, Medicaid is free. Some states might ask for a small payment from people who make a bit more money but still qualify for Medicaid. Besides this, there are usually no other costs like deductibles or copayments, or if there are, they are very small.

Who Qualifies?

Medicaid works a bit differently in each state. To qualify, you need to meet low-income guidelines. Depending on your category, you might also need to have a few assets to qualify. These guidelines can change based on your age, whether you’re pregnant, or if you have a disability.

Can Immigrants Qualify?

If you’re an immigrant, you can qualify for Medicaid if you meet the income requirements and have been legally living in the U.S. for five years or more.

However, if you are lawfully present but have lived here for less than five years, you can still get help paying for health insurance through premium subsidies, even if your income is below the federal poverty level. This way, you can still get affordable Medicaid coverage while waiting to qualify for it.

Undocumented immigrants usually can’t get Medicaid, but there are exceptions. For example, you might get short-term limited comprehensive coverage in an emergency or if you’re pregnant.

Who Pays for Medicaid?

Medicaid is paid for by federal and state taxes. Each state runs its own Medicaid program, so the rules and coverage can be different depending on where you live.

If you have Medicaid, it’s funded by your friends, neighbors, and fellow citizens through their tax dollars. You’ll likely receive care at the same hospitals and from the same doctors as people with private health insurance.

2. Children’s Health Insurance Program (CHIP)

You can get low-cost health coverage through CHIP if your family makes too much money for Medicaid but can’t afford private insurance. CHIP helps you stay healthy by covering things like doctor visits, shots, medicine, dentist visits, eye care, and more. 

Each state has its own rules for who can get CHIP, but it usually covers kids up to age 19. Some states also help pregnant women. CHIP is paid for by the government and your state.

Best Health Insurance Plans For Low Income Families

1. Cigna Health Insurance

Cigna Health Insurance is a big company that helps people stay healthy all around the world. They offer different kinds of insurance plans for you, your family, and even for businesses.

Cigna wants to make sure you feel good and safe about your health. They have lots of places you can go for help and programs to keep you healthy. If you don’t have much money, they still have ways to help you get the care you need.

Here are some of the things Cigna offers:

  • Plans for You and Your Family: These plans cover lots of things like check-ups, medicine, and even emergencies.
  • Dental and Eye Plans: Cigna also has separate plans just for taking care of your teeth and eyes. You can get these plans by themselves or with other insurance.
  • Medicare Plans: If you’re older or have certain health needs, Cigna has special plans for you. These help cover costs like doctor visits and medicines.
  • Work Plans: Cigna works with companies to offer health plans to their employees. These plans are made to fit the needs of the people who work there.
  • International Health Plans: If you live or work in another country, Cigna can still help you with health insurance. They have plans made just for people who aren’t in their home country.

Top Features of Cigna Health Insurance

  • You have customer support all day, every day. If you need to talk to a nurse, you can call a special phone number.
  • You can also see a doctor or talk to someone about your feelings without leaving home. This is called telehealth, and it’s super convenient!
  • Cigna wants you to stay healthy. They have programs to help you take care of your body and mind. It’s all about staying strong and happy.

Types of Health Insurance Plans Cigna Offers

Cigna has different health insurance plans. Let’s explore them:

  • HMO (Health Maintenance Organization) Plans: You’ll have a primary care doctor and need a referral to see a specialist in the network.
  • PPO (Preferred Provider Organization) Plans: You can see any doctor, but it’s cheaper if they’re in the network.
  • EPO (Exclusive Provider Organization) Plans: Similar to PPOs, they usually don’t cover out-of-network care, except for emergencies.
  • HDHP (High Deductible Health Plan) with HSA (Health Savings Account): These plans have higher deductibles but lower monthly costs. You can save money tax-free for medical expenses.


  • You have access to Cigna’s big worldwide team of over 1.5 million doctors and hospitals. They take care of you no matter where you are!
  • Your plan covers lots of medical services, and you can join programs to stay healthy.
  • Cigna gives you helpful online tools and apps. You can see your plan info, and health records, and even talk to a doctor online!


  • You can find Cigna insurance in many places, but it’s not in every state, so you might need to look for other options.
  • There are lots of different Cigna plans to choose from, so it’s important to do some research and compare them to find the one that’s right for you.

2. Anthem Health Insurance

You can count on Anthem to help families with low incomes stay healthy. They offer special health plans, check-ups to prevent sickness, and helpful information on how to stay healthy. Anthem also works with groups in the community to provide programs that help people stay healthy.

Anthem Health Insurance is part of a group of companies that help millions of Americans stay healthy. They offer different kinds of health insurance, like for families or people with low incomes, and plans for older people too. 

Besides health insurance, Anthem also offers dental, vision, and life insurance to help you stay healthy in every way possible.

Top Features of Anthem Health Insurance

Anthem has special things that make it different:

  • Mobile App and Website: You can use the Anthem app or website to see your plan, check what it covers, and find doctors.
  • NurseLine All Day: You can talk to nurses for health advice any time of the day.
  • LiveHealth Online: You can talk to doctors and therapists online whenever you need to.

Types of Health Insurance Plans Anthem Offers

Anthem offers different health insurance plans for different needs:

  • HMOs (Health Maintenance Organizations): You pick doctors from a list and need a referral to see specialists.
  • PPOs (Preferred Provider Organizations): You can see any doctor, but it costs less to see ones in the network.
  • EPOs (Exclusive Provider Organizations): You must see network doctors, but you don’t need referrals for specialists.
  • HSAs (Health Savings Accounts) Compatible Plans: These plans let you save money before taxes for medical needs.


  • You have access to a big group of doctors and specialists with Anthem’s wide network of healthcare providers. They help you when you need to see a doctor.
  • Anthem’s healthcare plans cover many services, from check-ups to big medical treatments. This means they pay for most of your medical needs.
  • Anthem wants to keep you healthy. They have programs to help you stay healthy or get better if you’re sick.


  • You might find that Anthem’s prices for insurance are higher than what you’d pay with other companies.
  • Anthem has many different plans to pick from, which can make it tricky to decide which one is right for you.

3. Kaiser Permanente Health Insurance

Kaiser Permanente Health Insurance is a special kind of health care that helps you stay healthy and happy. Kaiser Permanente takes care of lots of people in different places in the U.S., like in states and Washington, D.C. 

They do things a bit differently because they have doctors, hospitals, and health plans all working together to help you feel better. This makes things easier for you when you need to see a doctor or go to the hospital.

Kaiser Permanente also helps families who might not have a lot of money. They have programs to help these families get the health care they need at a price they can afford. 

They also do things in communities to make sure everyone has a chance to be healthy, like making sure there are good foods to eat and safe places to play.

Kaiser Permanente offers many different health care plans for people like you, your family, and even for people who have jobs. They want to make sure everyone can stay healthy and strong.

You can benefit from our services, which include:

  • Preventive Care: Stay healthy with regular check-ups, shots, and tests.
  • Primary and Specialty Care: See doctors, specialists, and hospitals when needed.
  • Emergency and Urgent Care: Get help fast for serious health problems.
  • Prescription Drugs: Get your medicines easily from our pharmacy.
  • Mental Health Services: Get support for mental health and addiction treatment.

Top Features of Kaiser Permanente Health Insurance

  • Digital Health Services: You can use Kaiser’s online and mobile tools to take care of your health. You can schedule appointments, message your doctor, and see your test results.
  • Health Education and Wellness Programs: Kaiser has lots of resources to help you learn about staying healthy. They offer fitness classes, tips on eating well, and programs to manage diseases.
  • Environmental Stewardship: Kaiser cares about the environment. They work hard to be eco-friendly, which is important to many people like you.

Types of Health Insurance Plans Kaiser Offers

You can choose Kaiser Permanente for your health care needs. They have Health Maintenance Organization (HMO) plans that focus on keeping you healthy. When you join, you’ll pick a doctor called a primary care physician (PCP) who will help you with all your medical needs. 

If you need to see a specialist, your PCP will refer you to someone in Kaiser’s network. This way, they make sure you get all the care you need to stay healthy, not just when you’re sick.


  • At Kaiser, everything about your health is connected. Your doctors, specialists, and health insurance all work together. This helps make sure you get the care you need without any confusion.
  • Kaiser makes it easy for you to get the care you need. They have lots of services all in one place. You can go to one Kaiser building for things like check-ups, getting medicine from the pharmacy, and even doing lab tests. This saves you time and makes taking care of your health simpler.
  • Kaiser wants to keep you healthy! They focus on stopping problems before they start. They offer lots of ways to help you stay healthy, like programs and resources. So, you can feel your best every day!


  • With Kaiser, you need to see doctors and specialists from their group. This means you might not have as many options.
  • Not everywhere: Kaiser works in specific areas only. It might not be an option for you if you don’t live in one of these places.

4. Molina Healthcare

Molina Healthcare wants to help you stay healthy! They offer health insurance for people who qualify for government programs like Medicaid and Medicare, as well as Marketplace insurance plans.

Their story began in 1980 with Dr. C. David Molina, a caring doctor who wanted everyone to have access to healthcare, no matter their income or language. Since then, Molina Healthcare has become a big name in health insurance, especially for those looking for affordable options.

Molina Healthcare cares about you and your family’s health! That’s why they provide programs and resources to help you stay healthy. These include services to prevent illness, educational materials to learn about health, and programs to manage chronic diseases. 

They want to make sure you get the care you need without worrying about money. They offer different health insurance plans that cover important health needs such as:

  • Check-ups and Immunizations: You can get regular check-ups, tests, and shots to stay healthy.
  • Emergency Care: If you have a medical emergency, your insurance will cover the costs.
  • Hospital Stays: If you need to stay in the hospital, your insurance will pay for it.
  • Medications: You can get the medicine you need to stay well.
  • Mental Health Support: Your insurance covers treatment for mental health and substance use disorders.
  • Managing Chronic Conditions: There are programs to help you manage long-term health issues.

Top Features of Molina Healthcare

  • You can get help when you need it with Molina’s Member Services. They have a nurse you can talk to any time, online tools to help you stay healthy, and programs made just for you.
  • Molina’s plans are made to be easy on your family’s budget. They are meant for families who need help paying for healthcare and might not cost much or anything at all.
  • Molina cares about you and your family’s language and culture. They have things to help you in different languages and understand how important your culture is when it comes to staying healthy.

Types of Health Insurance Plans Molina Offers

You can choose from Molina’s different insurance plans:

  • Medicaid Plans: If your family meets the income criteria set by the state.
  • Medicare Advantage Plans: If you qualify for Medicare, these plans offer more benefits than standard Medicare.
  • Marketplace Plans: If you don’t have access to Medicaid or Medicare, you can get these plans through the Health Insurance Marketplace.


  • You can count on Molina for affordable healthcare options. 
  • They offer plans that cover many health services, including preventive care and managing chronic diseases. 
  • Molina cares about helping underserved communities, offering language support and community health programs.


  • Molina Healthcare is available in only a few states, which might mean you can’t use it if you live somewhere else.
  • Also, some people might find that there aren’t many doctors to choose from, especially if they need a special kind of doctor or if they live in certain places.

5. Oscar Health Insurance

Oscar Health Insurance is a new health insurance company, started in 2012. They use technology to make healthcare easier for you. They have plans for individuals, families, and businesses. Their plans cover many medical services, from check-ups to big operations.

Oscar wants you to stay healthy. They have programs, like tracking your steps in their app, where you can get rewards for being active. They also help with chronic diseases and mental health, so you get good care.

Oscar offers different health insurance plans. They have plans for individuals and families, Medicare Advantage, and health insurance for small businesses.

You get lots of helpful things with this service, like:

  • Check-ups: You can get check-ups and shots every year without paying extra.
  • Help in Emergencies: If you need urgent or emergency care, this service covers it.
  • Talk to a Doctor Online: You can talk to a doctor online for free, anytime, day or night.
  • Medicine: You can get medicine from many pharmacies, and they can deliver it to your home.
  • Help for Your Feelings: If you’re feeling sad or worried, this service can help with counseling.
  • See a Specialist: You can see a specialist doctor without always needing another doctor’s permission.

Top Features of Oscar Health Insurance

  • With this app, you can take care of your health easily. You can find doctors, check your health history, and even talk to a doctor whenever you need.
  • You’ll have your own Concierge Team, which includes a nurse, to help you with any questions about your health, setting up appointments, or if there’s an emergency.
  • You can have as many virtual visits with doctors as you need, and it won’t cost you anything extra. This means you can get medical advice without having to leave your home. Oscar makes staying healthy super easy!

Types of Health Insurance Plans Oscar Offers

You can choose from Oscar’s EPO (Exclusive Provider Organization) plans, which focus on a specific group of doctors and hospitals to help keep costs down. 

With these plans, you can see specialists in the network without having to get a referral from your main doctor. Oscar also has Health Savings Account (HSA)-eligible plans. These are great if you want a high-deductible health plan that can be paired with an HSA.


  • You can easily manage your healthcare with Oscar’s app and website. Finding providers and accessing telemedicine services is convenient and straightforward.
  • At Oscar, you’re important. They offer a special team just for you, called a concierge team, to help you understand your care and coverage.
  • With Oscar, you can see how much your healthcare will cost before you get it. This helps you avoid any surprise bills.


  • Oscar Health Insurance might not be an option in all states or areas. 
  • Also, keep in mind that Oscar’s network of doctors and hospitals is smaller than some other health insurance companies, so you might have fewer choices for healthcare providers.

Challenges for Low-Income Families In Accessing Free Health Insurance Plans

Accessing free health insurance plans like Medicaid or CHIP can be challenging for families with limited income. You might face some obstacles, such as:

Complex Application Process: The application process can be tricky and take a lot of time. It might be hard to understand the paperwork and online forms, especially if you don’t have much help.

Documentation Requirements: You’ll need various documents to show you qualify, like proof of income and where you live. Getting these papers together can be tough if you don’t have easy access to them.

Language and Reading Challenges: If you speak a different language or find reading hard, it can be tough to figure out how to apply and if you qualify.

Not Knowing About the Programs: Some families don’t know that these free or low-cost health insurance plans exist. It can be hard to find out about them and get help applying.

Feeling Unsure or Worried: Some people feel nervous about applying for help. They might worry about who will know or if they’ll qualify. This can stop them from getting the healthcare they need.

Hard to Find a Doctor: Even with insurance, it can be tough to find a doctor who takes it, especially in certain areas.

Getting There: It can be hard to get to the doctor if you don’t have a car or live far away from one. This is especially true in places with few buses or trains.

Income Changes: If your income goes up and down, it can be hard to keep your insurance. Changes in how much you make or who lives with you can make it hard to stay covered.


If you’re looking for the best health insurance for your family and you don’t have a lot of money, it’s really important. This kind of insurance helps you get the healthcare you need without worrying too much about money. 

Plans like Medicaid, CHIP, Cigna, Anthem, Kaiser Permanente, Molina Healthcare, and Oscar Health Insurance premiums are great options for families like yours. They cover a lot of different things, like regular check-ups, emergency care, and more, to keep you healthy and financially secure. 

Take some time to look into these plans, and you’ll find one that fits your family and your budget. If you find this information helpful, share it with others. If you know about other insurance plans that can help families like yours, share them in the comments below.


How much is health insurance for low income?

If you’re a low-income American, your own health insurance might be free or very cheap. It all depends on how much money your family makes. Medicaid looks at your income and how many people are in your family to decide how much you need to pay. 

What is the most affordable health insurance?

According to our research, Kaiser Permanente offers some of the best and most affordable family health insurance plans. These plans are only for people who live in eight states and Washington, D.C.

What type of health insurance plan is the least expensive?

Medicaid is health insurance from the government for people with a low household income. It’s often the cheapest option. If your family doesn’t earn much, you might not have to pay anything for Medicaid. You might also have to pay very little when you get care.

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Sabrina is a former campaign manager who has decided to focus her effort to help people contact senators and get help. She leads our Editorial Team with Ronald and Lawrence to curate content and resources that help us navigate the system.

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