Does Free Medical Insurance Exist?

The idea of free medical insurance is certainly enticing to most people. But the question remains, can you actually find that, or is it a modern myth in America?

Free Insurance for Children

President Obama signed a bill in to effect known as the Children Health Insurance Program Reauthorization Act. This bill extended the original CHIPS program and added money in to the budget. With this bill, children under 18 who have no insurance can get free or low cost insurance for doctors visits, prescription coverage, and dental care. This program is provided through the states and each state will have different eligibility requirements. To find out of your children are eligible for this contact the Department of Health and Human Services.

State Employee Insurance Programs

In most states one of the benefits of being a state worker is that the state pays for most of your insurance costs. Many state budget cutbacks have taken some of the free benefits away, but for the most part a state employee’s health care premiums are paid by the state. State employees may still have to pay co-payments for both doctors visits and prescriptions, and meet deductibles out of pocket. But it’s still nice to not have to pay monthly premiums on top of that.


The US Department of Health and Human Services has set up a separate department called the Health Resources and Services Administration. This is a department that can help find you clinics that are cost free, pregnancy care, immunizations for children, dental and prescription treatments, and even mental health and substance abuse treatments. These clinics are all run by the state and carry different eligibility requirements. If you can’t afford healthcare chances are you will qualify for some kind of assistance. You can visit their website or call your local division for more information about these programs.

Other State Programs

Uninsured people are becoming a national epidemic. To help overcome this crisis, most states have implemented their own programs to help ease the pain of rising health care costs. For example, in Vermont you may be eligible for free or low cost healthcare through the state even if you don’t meet the requirements on a federal level. Connecticut offers free healthcare for kids whose parents can’t afford the insurance and they don’t qualify for other federal programs. To take advantage of these services you just need to do some research on what’s available in your state.

Free medical insurance and health care does exist. In most cases there are qualifications that must be met in order to take advantage of the programs. With healthcare costs on the rise many programs are trying to bridge the gap. All you need to do is a little research and you may be surprised at what you qualify for.

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