Health Insurance

Health insurance is one of the most important protections against loss of a family’s assets. It mitigates the cost to a family of a medical emergency or the treatment of a chronic illness—expenses that might otherwise require a family to spend long-term savings, sell assets or go into debt. One public program that aims to ensure that low-income families have insurance is Medicaid, which covers parents receiving cash assistance, low-income children and pregnant women. Even with Medicaid expansion and the Affordable Care Act, many American are still having trouble paying for hospital bills and often go into medical debt. Limiting hospital charges, billing and collections based on a patient’s income or to the uninsured are just a few options for minimizing medical debt.

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