My family needs Health Insurance, but we cannot afford it.

stephcjh hi Ihave friends who have americare insurance and they dont pay anywhere near as much as 600 a month, I think theeres is thirty or forty dollars a month. I would look them up and see what they could do for you. I am elderly so am on medicare and my gap insurance secure horizons evercare plan for poor seniors and it covers everthing with no monthly copay.I am lucky this way for sure. good luck in finding insurance you can afford. god bless.

I work for a company called Ameriplan. It is the #1 health care provider in the US.. We have plans staring at $29.95 to $59.95 and that covers every one in the house. It has plans that include dental, vision, prescriptions, chiropratic, Physician, Ancillary services, hospital advocacy, nurse line and many more.. Please go to www.deliveringonthepromise.com/smiller515. There you can look at all the plans we offer and see which one best fits you.

I think it's a shame you have to pay for everything pal , we are really lucky here in Scotland with the NHS, I don't think my hubby would be here if we had been made to pay for his triple heart bypass , I will pray you all keep healthy pal , and hope all goes well for your daughter xx

I am so sorry! I really do know how you feel. Our kids have med. card and my husband goes through the VA so he don't need it but i do. I did look into some insurance for myself but theres no way we can afford it. At least the kids and my hubby have it but i really need to go to the dentist,there no way we can afford for me to go. My husband says just go and we will take care of it but i know it will take things away from my kids and i can't do it. I have searched and tried to find something but no luck. Like you i have found that they want anywhere from $350 and up just for me. I don't hardly ever go to the doctors so it would be crazy to pay that much a month for the insurance, it would prolly be cheaper to go without. I am worried now because just today my husband started a new job that is paying much better and i am afriad that our kids are gonna loss there's. My cousion gets paid less then my husband and he can't get any help with his son's med. If my kids loss theirs we have to get them some and we'll end up paying t least $600 just for the boys. Then we'll be making less then he was at the job he just left. They make it imposable for people to live today. I'm sure we're gonna have to really start looking and if i found anything good i'll be sure to let you know. best of luck

Does your state have coverage that you can qualify for? You need to make your ex give you that info. Go to legal aid and ask them what you can do to compel him give it to you. They don't charge for advice the last time I heard. Maybe he won't answer because he didn't maintain the policy? Good luck to you. Insurance is ridiculously expensive and doesn't pay for much when it does kick in. Yet, we can have our lives ruined by one medical crisis!

i wish i could help u. unledd uall qualify for medicade i know no other way. i'm on medicare now [thank god} but when i was working my ins. got so hight i could pay it. i just had to hold my breath for 2 years praying nothing would happen because i had had some serious health isues. it's a shame it's so high people can't afford it.it's sure not good not to have any because u never know what can happen. cll your congressman, might not do any good but at least you've tried. good luck.call social services & see what they say. write the governor, write the president, worry the dodo out of them. hope your daughter gets along o.k.

Wow! $600.00 is alot. And way to much. I wish me and my husband could get Healthcare Insurance but we are barely making it from month to month now as it is. And in the colder weather he doens't get much work so it is a struggle So we couldn't get the health insurance if we tried. Just no way..I hope all goes well with your daughter and that you get ahold of her father to figure out what is what ..

I don't have any healthcare insurance or coverage either. Hubby is on Medicare he has SSD. I have nothing and am a homemaker. I did have Washington Basic Health but they kept making the co-pay go higher and higher until the state health care program meant to help low income became out of reach for me financially. They did not cover eye glasses or dental either both of which I need. So I make do and do without and pray to God to help me and keep me from any really serious injury or health problem. Our total annual income is $17,000 that is not a lot to live on and have a mortgage of $600 a month. Our daughter buys our food and a son provides our internet and phone service. Hubby is allowed to work some on SSD but can only make $900 a month or SSD will cut him off. Basic health began pro rating what he would make and he does not make at all what they pro-rated him to make. The wanted to have us pay $199 a month for medical insurance and that was not our prescription co-pay or doctor visit co-pay or hospital co-pay. They said if we go injured or sick we had to come up with $1500 per year and we don't have that so I go without. I need dental care badly but just can;t afford it and need new glasses going to cost $395 for the pair. Not there we pray and hope and make a little here and there. That is why I am on mylot and other sites it all helps a little.

Why don't you and your husband try to qualify for Medicaid? It is expensive, but if something were to happen to you without it, you'd be RUINED. Any kind of accident, or illness, and that $600 a month would seem so small. And as for your daughter and her father - if he is supposed to pay per court order, call the damn cops on him. That's ridiculous, if he has agreed to help with her health insurance and he is not answering the phone, report him to the authorities. As for me, technically right now, I don't have coverage. I was laid off last month. I could pay the exorbitant COBRA coverage if something did happen. However, I am just waiting for the paperwork to come through on health care through my husband's company.

In ny we have http://www.ins.state.ny.us/website2/hny/english/hny.htm here in NY but your state must have something available. Check with the medicaid dept to see if they can help you. xoxoxoxoxoxo

You have a good point,having a health insurance for the family is necessary,but i still believe that you can find a company that will calculate your monthly health insurance from what your income.That can give a resonable answer atleast.

I totally know what you're going through. I get my personal insurance through work. But it was too expensive to put my husband and kids on it. I got my kids on Medicaid (KidCare - it's under a different name now I think). And then found out once the kids were on Medicaid it was easy to add an adult. At least that's the way it was for the last couple of years. THIS year they changed the budget and cut out much of the healthcare offerings. Now my husband has been cutoff while the kids will remain for one more year. Hopefully by the time I have to reapply for them next year, they'll reinstate everything. Thankfully my husband will be on Medicare soon. Otherwise we'd be stuck much like yourself.

Try Blue cross Blue shield, we used to have that in Illinois, at a premium of 250-300$ for a family of 3( 2 adults and 1 kid) I think that was affordable, please check with their current charges. It has been a long time since I have used them, as I am away from United states.

that is really tough and I totally feel your pain. Do you qualify for the state insurance? If so, that's probably your best option. My husband has insurance through his work, but I have to pay for private insurance and it is over $200 a month and the coverage STINKS. I really think it's a waste of money. My kids qualify (so far) for the state insurance so that is great. I'm currently in requalification for it and praying we still qualify. Otherwise, to add them to my husband's insurance is over $700 a month for 2 kids and THAT is not possible. Also, know that most states do not allow interest to be charged if you have to pay off doctors/hospitals on a payment plan. My youngest is 4 and I'm still paying off her birth. I had insurance but she was a c-section baby so the expenses were higher and I hadn't had my insurance long enough for them to cover it all. But they get my measly $20 a month like clockwork so they can't do anything to me because of it.

wow, Steph, that is some high Ins. I wondered do they goby your income, at the Hospital, most Hospitals do that. They call it getting rated.

Well that is one thing in my country that we don't have to much problem with as we have public health service. But can get soverage to go into private health places with southern cross and other ones but that does't help in your case. I wish you all the best and hope things turn out okay for you

those prices are outrages, I thank God I live in Canada, I wish I knew what to tell you

Hi steph'-wish I could help on this one but I live in the UK and we do get free health care as well as private-but not knowing much about the way things work in the US I don't know what to say-your freind littleowl

Low income clinics is what we use pay on sliding scale