Health Care : Uninsured

Why is having no health insurance a problem?

Every year, more people in Ohio and across the United States lose their health insurance so the problems of the uninsured are growing.

This is a devastating problem because people without insurance tend to delay or avoid getting health care and they get sicker so their health deteriorates and they ultimately have much higher health care costs.

What do I do if I don’t have any health insurance?

If you do not have any health insurance, you should investigate whether you qualify for any health insurance program such as Medicaid, Medicare or private insurance.

Remember that some members of your family may qualify for different programs, so you should consider whether each member of your family qualifies for each program.

If you or your spouse have recently changed jobs or lost a job, you should also investigate whether you are eligible for COBRA continuing coverage benefits.

If you do not qualify for any health insurance program, you can get your care from a Federally Qualified Health Center or a Free Clinic.

How can I find health insurance if I have been denied coverage because of a pre-existing condition?

The application for people who have been uninsured for at least 6-months and have been denied coverage because of a pre-existing condition is available online now

What if I have a bill from a hospital and I cannot pay it?

If your income is less than the Federal Poverty Level, the Hospital Care Assurance Program (HCAP) may help you.

HCAP pays hospitals to provide services to low-income uninsured Ohioans.

You can ask a hospital to write off the charges for all hospital-level services.

Hospitals are required to give all patients notice of the HCAP on their bills.

Ask your hospital billing department about HCAP.

What if I need a prescription but can't afford to buy it? 

There are several programs that help uninsured people afford their medications.

  • First, ask your doctor if she can give you free samples of your prescription medications. Many doctor offices get free samples of medications, so they may be able to give them to you.

  • Second, theOhio Best Rx programoffers discounts on prescription drug costs for many Ohioans without prescription drug insurance coverage who are:

See also the Forms & Education tab in this section for more information.

The information in this site is not intended as legal advice.
Back to Top of Page | Didn't find it? Use Advanced Search | Back to Step 1

Click here to find legal help near you.

To find a civil legal aid provider, call

1.866.LAW.OHIO (1.866.529.6446)

For the hearing impaired:
Use this site to find the local
Ohio legal aid provider in your
area. Then, call the Ohio Relay
Service at 1-800-750-0750 and
ask the service operator to
connect you to the provider
you are trying to call.

The information in this site is
not intended as legal advice.


Personal tools