How to Get Free or Low-Cost Healthcare Without Insurance
Not having health insurance does not mean you cannot get healthcare. Here are options for accessing medical care when you are uninsured or underinsured.
Federally Qualified Health Centers
Community health centers serve everyone regardless of ability to pay. They offer primary care, dental, mental health, and pharmacy services on a sliding fee scale based on your income. Some visits may be free. Find one at FindAHealthCenter.HRSA.gov.
Free Clinics
Volunteer-staffed free clinics provide care at no cost to uninsured patients. Services vary by location but often include primary care, prescriptions, and specialty referrals. Search NationalFreeClinic.org for locations near you.
Medicaid
If your income is low enough, you may qualify for Medicaid, which provides free or low-cost health coverage. In many states, adults can qualify with income up to 138% of the poverty level. Apply at Healthcare.gov or your state Medicaid office.
Prescription Assistance Programs
Pharmaceutical companies offer patient assistance programs providing free medications to those who qualify. Websites like NeedyMeds.org and RxAssist.org can help you find programs for your specific medications.
Hospital Financial Assistance
Nonprofit hospitals are required to have financial assistance programs. If you need hospital care, ask about charity care or payment plans before or after receiving services. You may qualify for reduced or free care.
Urgent Care Options
- Retail clinics (CVS MinuteClinic, Walgreens) offer lower-cost care for minor issues
- Urgent care centers cost less than emergency rooms for non-emergencies
- Telehealth services can be more affordable for consultations
For more options, visit our Healthcare Access resources page.