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

UPDATED: Mar 19, 2020

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Get help paying for health insurance premiums

You can get help paying for health insurance premiums through government assisted programs if your income or other factors meet the criteria for public assistance. You may also be able to lower your health insurance premiums by raising your deductible or changing your plan.

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The cost of health insurance is a concern for many people, whether you need individual health insurance or health insurance for your entire family. Group insurance makes health insurance a little more affordable, but is not an option for all. Review your options below.

Lower Your Health Insurance Premium by Changing your Deductible

Many times the simplest way to lower your health insurance premium is by raising your deductible. There are many health insurance plans that offer the same benefits package with multiple choices for deductibles. The benefit to raising your deductible is that you will pay a decrease in premiums. The caveat is that you will have a higher deductible to meet and possibly a higher out of pocket co-payment or co-insurance as well.

A deductible is the amount of money you must pay out of pocket before your health insurance provider starts to pay out benefits. If your health insurance plan currently has a deductible of $500 then your health insurance will start to pay its share of your medical bills once you have paid $500 out of pocket toward your own medical bills.

By raising your deductible to $1,000 you will have to pay more out of pocket before your insurance begins to pay their share of your bills but you will save money on the monthly premium. If all goes well and you are relatively healthy, this may be a good way to get help paying for health insurance premiums by simply lowering the premiums.

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Lower Your Health Insurance Premium by Changing your Plan

When it comes to health insurance, the more benefits you have the better off you are. No one can predict their health or any other unforeseen circumstances such as a mishap or an accident that can cause a sprained ankle or emergency surgery. Obviously, if you have health insurance that covers everything from doctor’s visits and lab work to emergency room treatment and extended hospital stay then you have most of your bases covered. However, this type of complete health insurance coverage tends to be very expensive even if you have a high deductible health plan.

In order to get help for paying health insurance premiums, you may need to simply consider changing your health insurance benefits. Try to keep the plan with the most benefits that you can comfortably afford, but if you are unable to pay for your premiums you may need to consider some other plan options.

Catastrophic health insurance is the extreme opposite of total health insurance coverage. Catastrophic health insurance is one of the least expensive health insurance plans that you can buy but it comes with fewer benefits and higher out of pocket expenses. Usually a catastrophic health insurance plan only covers major incidents, such as emergency room treatment or hospital stays, but it won’t cover doctor’s visits or lab work.

The deductibles and co-payments also tend to be much higher with these types of plans but the premiums are drastically reduced in comparison to other health insurance plans. It is a good idea to review several different plans that suit your budget while still offering the type of health insurance coverage you need.

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Get State Assistance to Help Pay for Health Insurance Premiums

Even though health insurance is expensive for most people, most people are responsible to pay for it themselves. Depending on your income level and sometimes even factors such as your marital status and number of dependents, you may qualify for state assistance to help pay for your health insurance premiums.

Every state has a form of public assistance such as Medicaid (Medical Aid) that is offered to various individuals such as single mothers or low income families. If your income is at poverty level or below there is a good chance you can get help by receiving health insurance from the state.

Some state programs offer various levels of benefits based on your income range. At the lowest poverty income level you would probably not have to pay any health insurance premiums at all.

If your income level is higher but still qualifies for state assistance then you may have a small monthly premium to pay for your health insurance. With most Medicaid plans, you will not be subjected to a deductible and your co-payments are very small, such as $2 instead of $30.

To get help paying for health insurance premiums, check with your state public aid department. You can also review different plans for coverage as well as various deductible options to try to reduce your premium.

Shop for the best health insurance rates by entering your zip code in the provided field now!