Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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Even people who don’t have a high annual income can get health insurance coverage. Poor people can investigate policies offered by insurance companies or consider applying for Medicaid. The Children’s Health Insurance Program (CHIP) may also be able to help.

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Poor people need health insurance just as much as individuals with higher incomes do. Income level and health issues are directly related, with people from lower income brackets more likely to develop lifestyle-related medical conditions like heart disease and diabetes.

They may also be more likely to become depressed, either due to a genetic predisposition for the disorder or due to their personal circumstances.

Private Health Insurance

Rather than simply assuming that health insurance is completely out of reach, lower income people can investigate the products offered by private companies. There are a number of options available and taking the time to check out some health insurance company web sites may result in an affordable plan.

Some companies offer a mini medical health insurance plan at a nominal cost. The plan covers a set number of visits to a doctor and provides a daily hospital benefit. Some prescriptions are covered under the mini medical insurance policy and it also pays for some health services after an accident occurs.

If a person wants to have coverage for major medical expenses at a low premium rate, opening a Health Savings Account is an option. This is a high-deductible health insurance plan that allows subscribers to deposit funds into a tax-free savings account. The money grows until it is withdrawn. As long as the money is used to pay for eligible health care expenses, the plan member is not required to pay tax on the amount withdrawn. The one down side for poorer folks is that you need to able to pay that higher deductible.

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Medicaid is a government-sponsored health insurance plan. It offers health care coverage for people of limited financial means. Pregnant women and children under the age of 19 may be eligible for coverage, as well as disabled or blind people. Seniors over the age of 65 can also get services under this program if they qualify.

Under this plan, the fees for medical services are paid directly to healthcare provider. Depending on the state, an individual covered under the plan may be asked to make copayments for certain services.

There is no charge to apply for Medicaid, and if someone meets any of the eligibility requirements, he or she should fill out an application form anyway. A caseworker will review the material and make a decision about eligibility. Annual income is considered for this purpose, and the applicant will be asked for information about other resources that they have available, such as bank accounts and real property as well.

Eligibility for benefits may be given on a retroactive basis up to three months before the date of the application. If the person’s circumstances change and they are no longer deemed eligible for coverage, the Medicaid benefit ceases at the end of that month.

Children’s Health Insurance Program (CHIP)

Families who earn too much to qualify for Medicaid may be able to qualify for CHIP. Each state sets its own rules about eligibility requirements. In most parts of the country, children who are under the age of 19 and who are not covered by a health insurance policy may be eligible. The standard family income limit for this program is $44,100 per year. This figure is based on a family of four people.

For those who are accepted, the program offers coverage for doctor visits, emergency room treatment and hospital stays. The cost of immunizations is also covered by the CHIP program. Approved families may be able to get these services at little or no cost, depending on their personal situation.

Simply because a person or a family doesn’t have a high income, it doesn’t mean that they can’t get health insurance coverage. Depending on the annual income level and other considerations, they may be able to find health insurance coverage from an insurer that will fit their budget. Poor people can also apply for health insurance coverage under Medicaid.

Minor children who are not covered under a health insurance plan may be able to get coverage under the government-funded CHIP plan. It is worth applying for government-funded health insurance plans since there is no charge to do so. Having health insurance in place makes it easier for low-income people to get the preventive care necessary for them to look after their health.

By entering your zip code in the health insurance rates tool on this page you can get free quotes instantly!