There is no law in America that forces you to have health insurance. The federal tax penalty for lack of insurance was removed starting in 2019. Though the number of uninsured Americans has decreased in recent years thanks to the Affordable Care Act, the reality is that there are still many people that don’t qualify for subsidized insurance and don’t have health insurance. What does this mean? Will you be turned away from doctors’ offices and hospitals for not having insurance? Not necessarily. There are numerous resources out there that will guide you through the healthcare system while uninsured.
- It’s no secret that living in the United States without health insurance can be difficult for some people. Depending on your situation, you might be forced to ultimately choose between financial security and your physical well-being, since it can be difficult to find affordable health care. In the event that you have to visit a doctor or hospital while uninsured, you may have excessive medical bills that are hard to pay off and prescriptions that you can’t afford. U.S. News and World Report has provided 5 Tips for Navigating Medical Care Without Health Insurance.
- Freeclinics.com is a website that has produced of a comprehensive list of clinics across the U.S. that serve uninsured and low-income patients. Their list is divided into categories including uninsured, affordable, low-income, and no-cost clinics. Simply select your state and city for access to contact information and reviews of clinics in your area.
- As the healthcare industry and technology continue to progress, more options are becoming available for medical exams, consultations, and treatments. Healthcare professionals are taking advantage of smartphones and the internet to deliver patient care online. Online Medical Care has constructed a list of ten of the best online doctor and medical services in 2020.
- Unexpected emergency medical attention can be expensive, even for those with insurance due to the rising cost of health care. Don’t let this discourage you from seeking care and treatment if you need it. Though you may be responsible for covering the entire cost, there are ways to alleviate the stress of paying off your doctor or hospital bills. Here is a list from The Balance with six ways to approach paying your medical bills.
Going without medical insurance may present some challenges, but don’t count yourself out from receiving the health care you deserve. Aside from the options listed above, many private practices and hospitals offer discounts to uninsured patients. Be sure to be honest and upfront about your situation, and actively seek assistance.