People may think health insurance is not that important for them who have good health record. However, for others, having no health insurance is quite risky and medical bills can be burdensome. There are several reason why people opt to not covered in health insurance. The biggest reason is health insurance is not cheap. Insurance company acknowledge this, therefore they provide some alternative health coverage in certain area like prescription drug or hospital bills. You can also find some health clinics with low-cost or even free healthcare services.

Medicaid

Medicaid is a program provided by joint-federal state for citizens with low income. The government assessed the people eligible for aid based on their income, asset and another resource. This program can help pay the hospital bills, home care, doctor and other medical bills. For more information, you can visit medicare website http://www.medicare.gov/ and search for medicaid.

Membership Program

Some network of healthcare providers usually held membership program and attract their potential customer by giving discount when they apply for membership. For example, private hospital "A" offer membership program, their members can get discount for their services, such as vision, dental, pediatric, drugs, home care, child care and many more. The members will get membership card. Something you have to understand is this membership program is not an insurance, so it does not have deductibles and you have to pay the services with your pocket.

Free Health Clinics

These free health clinics provide health services for low income and homeless. They usually provide low-cost and/or free healthcare services. Like charity program, they open for donations to run the clinics. Middle-low income citizen also allowed to use the services, although the clinics might charge them with low bills.

Medical Services Program Sponsored by State

Each state in the U.S have their own medical assistance program to help their low-income resident to pay their medical expenses. Every state have their own resources and program, and it might vary between states. This program is designed for those who can't afford health insurance.

Health Saving Account

Health saving account is indeed involving health insurance. These savings are funded by deductible contributions to cover huge expenses. The withdrawn money is tax-free and can be used for almost all health-care services, even alternatives medicines.