Free or Low-Cost Health Insurance | Help for Low Income Families

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The following information was given to me by my employer in regards to the Medicaid and Children’sinsurance Health Insurance Program (CHIP) offer of free or low-cost, affordable health insurance to children and families. I hope that by my posting the information for my readers to find, more low income families will learn about the affordable health insurance, medicaid, and CHIP programs. Read on to learn about the government health insurance premium assistance program, medicaid, and CHIP (Children’s Health Insurance Program).

If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contact your State Medicaid or Chip office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid of CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or to find out how to apply. If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan.

Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP , your employer’s health plan is required to permit you and your dependents to enroll in the plan. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.

If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 22, 2010. You should contact your State for further information on eligibility.

Alabama – Medicaid

Alaska – Medicaid

Arizona – CHIP

Arkansas – CHIP

California – Medicaid

Colorado – Medicaid and CHIP



Florida – Medicaid

Georgia – Medicaid

  • (click on Programs, then Medicaid)
  • 1-800-869-1150

Idaho – Medicaid and CHIP



Indiana – Medicaid

Iowa – Medicaid

Kansas – Medicaid

Kentucky – Medicaid

Louisiana – Medicaid

Maine – Medicaid

Massachusetts – Medicaid and CHIP

Minnesota – Medicaid

Missouri – Medicaid

Montana – Medicaid

Nebraska – Medicaid

Nevada – Medicaid and CHIP



New Hampshire – Medicaid

New Jersey – Medicaid and CHIP



New Mexico – Medicaid and CHIP

New York – Medicaid

North Carolina – Medicaid

North Dakota – Medicaid

Oaklahoma – Medicaid

Oregon – Medicaid and CHIP



Pennsylvania – Medicaid

Rhode Island – Medicaid

South Carolina – Medicaid

Texas – Medicaid

Utah – Medicaid

Vermont – Medicaid

Virginia – Medicaid and CHIP



Washington – Medicaid

West Virginia – Medicaid

Wisconsin – Medicaid

Wyoming – Medicaid

To see if any more States have added a premium program since January 22, 2010, or for more information on special enrollment rights, you can contact either:

US Department of Labor
Employment Benefits Security Administration
1-866-444-EBSA (3272)


US Department of Health and Human Services
Centers for Medicare & Medicaid Services
1-877-267-2323, Ext. 61565

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One thought on “Free or Low-Cost Health Insurance | Help for Low Income Families

  1. for those in Northern New Jersey who cannot afford insurance (even w/subsidies)or do not qualify, please visit us @ 549 Bloomfield Ave, Bloomfield, NJ for unlimited offce visits to our Board-certified Family Physicians. There is never a co-pay, you get great service and we have convenient hours. Call (973) 928-8929 for more information.

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