Health insurance for poor people in the USA?

Is there any health insurance available for people who cannot afford to spend at least $300/month?

Yes, there is, but it depends upon your age, height & weight, your current health, if you smoke, what type of plan and deductible you have, and many other factors. If you visit a local independent agent you'll be able to compare many different plans in one place. The agent can find the best plan for your situation and budget.

Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.

You may get answers here concerning medical discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of â€œsave up to 80%â€ be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldnâ€™t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they wonâ€™t give you a list consider it to be a scam. Call the doctors on the list to make sure theyâ€™re still taking the card (many donâ€™t even know that theyâ€™re listed as a provider) and that theyâ€™re accepting new patients.

Thereâ€™s a new company offering low cost individual health plans in Texas for young, reasonably healthy people. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy male 25-years-old (and under) would pay under $100 a month for basic coverage. Check them out at http://www.precedent.com - Even if youâ€™re not in Texas, my understanding is that theyâ€™ll be offering plans in additional states soon. I hope you find what you need!

There is a discounted plans which work pretty good they give you over 50% on dental, health prescription, chiropractic. The plans cost under $60 dollars a month for the entire household. If your intrested you can visit this website www.mybenefitsplus.com/40534021

Well, yes, we have Medicaid, for the truly poor, and we have Medicare, for the disabled. And, we have Major Medical coverage for as little as $75 a month, in case of catastrophic illness, that does NOT cover "maintenance issues" - only major stuff.

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