Coverage and care for families who can't pay full price.

Medicaid covers about 80 million Americans. Eligibility depends on your state — in expansion states, most adults under 138% of the federal poverty level qualify; in non-expansion states, coverage is limited to specific groups (parents, pregnant women, people with disabilities).

CHIP picks up where Medicaid ends for kids, typically covering families up to 200–300% of the poverty level. Kids in the same household may qualify for CHIP even when parents don't qualify for Medicaid.

Above CHIP limits, ACA Marketplace subsidies bring monthly premiums down — often to zero — and can also lower deductibles and copays through cost-sharing reductions.

Federally Qualified Health Centers (FQHCs) serve everyone regardless of insurance status. Fees are on a sliding scale based on income, and no one is turned away for inability to pay.

They handle primary care, prenatal care, pediatrics, mental health, dental, and often free or low-cost prescriptions through 340B pricing. Search the HRSA Find-a-Health-Center tool for your nearest location.

Every major pharmaceutical company runs a Patient Assistance Program (PAP) that provides free or low-cost brand-name medications to qualifying patients. NeedyMeds.org maintains a searchable directory.

Beyond PAPs: 340B pricing at community health centers, GoodRx and similar discount cards, generic tiers on $4 lists at big-box pharmacies, and — for Medicare beneficiaries — the Extra Help program.