In today's world health insurance is a very rare commodity which only a few people can afford to have. Often, health insurance can be achieved through the company you are working with as a part of job package, but many US citizens do not have insurance because they have a low income and simply can not afford health insurance.
Such people are eligible to apply for the Medicare or Medicaid schemes, however it is not guaranteed that they will receive the benefits. To be eligible for these schemes there are many other factors which the authorities look for, not just the fact that you do not have enough money.
The first thing that you should do before applying is do some research on these schemes. There are various online resources through which you can get information, which will guide you on the procedure of applying. When you search online you will find that you need to fill various documents and also the requirements you need to fulfill to be eligible. These official websites have all the data regarding Medicaid and Medicare, which talk about all the benefits.
As said earlier, not every low income family is eligible for receiving these benefits, but this is not the end of the world. There is some kind of coverage plan that will be available to you. For instance, you can start seeking into some of the main medical providers and see if their rates match with what you can afford. Many times these are quite cheap and in the financial range of most of the people. Or you can even shop around to find an even cheaper deal. Your premium mainly depends upon how much deductible you are willing to pay, the number of people that require insurance and also the medical state of those people.
President Obama has promised all the individuals of a carefully crafted health insurance plan for all the families. However, this process may take some time before it is implemented, so instead of waiting for it to happen you should meanwhile search online [http://insurethepoor.com/] on specialized insurance websites to find insurance to guard yourself from any serious health disaster.