You may already qualify for fully covered care.

Medicaid

Free or near-free comprehensive health coverage for adults under 138% of the federal poverty level. Available in 40 states + DC.

Children's Health (CHIP)

Low-cost or free health coverage for children whose families earn too much for Medicaid but can't afford private insurance.

ACA Marketplace Subsidies

Premium tax credits that can reduce monthly health insurance costs to $0 for many households up to 400% FPL.

Hospital Charity Care

Federal law requires every nonprofit hospital to provide free or discounted care to patients below a published income threshold. Most don't advertise it.

Hospital Charity Care

A small number of hospitals built with Hill-Burton federal funds must provide a set amount of free care each year. Search the active facility list.

Medicare Savings Programs

Pay your Medicare premiums and often deductibles/copays if your income is limited. Four tiers (QMB, SLMB, QI, QDWI).

Disability Coverage

Supplemental Security Income for disabled, blind, or 65+ adults with very limited income/assets. In most states, SSI automatically qualifies you for Medicaid.

Veterans

Comprehensive health care for U.S. veterans through the Department of Veterans Affairs, often at no cost.

Tribal / Indian Health

Comprehensive health services for American Indians and Alaska Natives who are members of federally recognized tribes.

Condition-Specific

Comprehensive care, medication, and support for low-income people living with HIV who are uninsured or underinsured.

Prescription Help

Drug manufacturers and nonprofits offer free or steeply discounted brand-name medications for low-income patients. Most go unclaimed.

Condition-Specific

The only national nonprofit dedicated exclusively to achieving health equity for Black women. Offers navigation, advocacy, and free health literacy resources.

Condition-Specific

Addresses the disproportionate burden of chronic diseases (heart disease, diabetes, hypertension, stroke) among African Americans through education and community programs.

Hospital Charity Care

Community health centers funded by HHS that charge on a sliding-fee scale — as low as $0 — regardless of insurance status. Heavily concentrated in Black and under-resourced communities.

Condition-Specific

Sickle cell disease affects ~100,000 Americans — 90% of them Black. Federally funded programs provide free comprehensive care, medication assistance, and research access.

Condition-Specific

Black women are 2–3× more likely to die from pregnancy-related causes. These federal and nonprofit programs specifically address the Black maternal mortality crisis.

Condition-Specific

Only 1 in 3 Black Americans with a mental health condition receives treatment. These programs connect African Americans with culturally competent, low-cost or free care.

Condition-Specific

Free mammograms, Pap tests, and HPV tests for uninsured or underinsured women. Black women have a 41% higher breast cancer death rate — early detection is critical.

Condition-Specific

African Americans develop Type 2 diabetes at twice the rate of white Americans. This CDC program is proven to cut the risk by 58% — and Medicare/Medicaid covers it.

Condition-Specific

Free nutrition, breastfeeding support, and healthy food benefits for pregnant, postpartum, and breastfeeding women, and children under 5. Black families are disproportionately eligible and underenrolled.

Condition-Specific

Black men are 15% more likely to develop lung cancer and 18% more likely to die from it despite lower smoking rates. Low-dose CT screenings are now covered at $0 by Medicare and most insurers.

Condition-Specific

Largest private HIV/AIDS medical provider in the US. Black Americans account for 42% of new HIV diagnoses. AHF provides free testing, PrEP, and comprehensive HIV care.

Condition-Specific

Black teenagers face higher rates of undetected STIs, asthma, and mental health crises. Title X and school-based health centers provide confidential, no-cost care.