For many people it may seem like health insurance is just too expensive and there are no affordable options for low cost or even free health insurance. However with some digging many people can find options that are less expensive than COBRA insurance and meet their healthcare needs. Explore the following options to look for affordable health insurance.

Option 1: Private Health Insurance Plans

Many people believe that private health insurance is never affordable but depending on your health needs, it may be a good option. If you are generally healthy and do not go to the doctor frequently you can likely find a policy that is affordable. Many people find plans that are less than $100 a month if they are willing to accept a high deductible.

Option 2: Medicaid

Medicaid is a free or low cost health insurance program that is designated for people under a certain income level. The specific income level varies from state to state, but if you qualify then you can qualify for free or very low cost care. You can visit Medicaid.gov to learn more about Medicaid options in your state.

Option 3: Children’s Health Insurance Program (CHIP)

The CHIP Program, of Children’s Health Insurance Program, is a program for children whose families do not qualify for Medicaid but can not afford health insurance coverage. Under CHIP, children are able to get free or very low cost health insurance and health care. To learn more about CHIP in your state visit InsureKidsNow.gov.

Option 4: Community Health Care Centers

Community health centers are non profit health care centers that provide free or very low cost care to people in the community. Anyone may go to a community health care center whether they have health insurance or not and receive care.