Health Insurance for Single Moms
With all of the recent headlines about healthcare coverage, a single parent might feel a bit overwhelmed by all of the information. Fortunately, it is not as complex as it might seem to get health insurance for single moms.
For example, according to Get Insured, “Every state in the U.S. offers free and low-cost health insurance to some of the children who live there — as part of the Children’s Health Insurance Program (CHIP).” So, to begin exploring options for health insurance for your child or children, you need only use the official government website – Healthcare.gov to see which programs you have available.
Now, this care is often for the children and not the parents. However, that does not mean that you cannot find free coverage for yourself (if you qualify) or an affordable option for health insurance for single moms.
Health Care for Single Moms
Because single mothers are often living on a very fixed income, it means you may need to scout around for free coverage as your first step. This too is very simple and requires that you visit the Healthcare.gov website to determine if you qualify for coverage under the Medicaid program.
What if your income is a bit too high for the free option? Don’t give up just yet. There are tax credits and subsidies that are also available through the government to provide health insurance for single moms. Currently, around 26 million Americans actually qualify for them and they allow people to get a discounted price on their healthcare coverage.
As a quick example, a single person with an income of $20k per year can find a plan for as little as $85 per month due to the subsidies and credits made available.
How to Be a Good Single Mom
Being a good parent begins with looking after your children and providing them with a roof over their heads, food on their plates, and a solid education that will allow them to grow and become valuable members of society. However, being a good single mom also means looking after yourself. If you are too sick or ill to look after your family, who else can? While health insurance doesn’t prevent illness, it is certainly a solid step towards preventing a disaster.
This is why it is of the utmost importance to keep your own healthcare as a priority. You cannot be the best parent possible if you are not taking care of your own health needs. So, determine how much healthcare coverage you need and use the government website to find the plan that works with your budget.
Insurance Plans for Single Moms
The insurance plans available for single moms come in a range of “levels”. These include the bronze, silver, gold, platinum, and “catastrophic” plans. Essentially, the bronze will cost the least amount each month (meaning it has the lowest premium), but don’t base your choice on this.
Instead, take the time to consider how often you use healthcare (or would like to use it) every year. If you know you won’t be using the plan very often, the lower premium may be okay. The reason you have to think about this is that a lower premium means higher co-pays and higher deductibles. If you know that you have healthcare issues and will be visiting a doctor several times per year, it is best to bump up the coverage to silver or gold in order to avoid a lot of out of pocket expenses.
Remember that it is always going to be best when you take the time to evaluate your needs, but to do so realistically. Don’t think “I don’t get sick” because that is not the truth. Everyone falls ill from time to time, and you can afford to be sick when you choose the right coverage.
How to Survive as a Single Mom
It is so challenging to be a single mother in the modern world. Your list of things “to do” is endless, and in the middle of it all you are trying to be the best mom possible. Health insurance for single moms is one key part of your life, but there is so much more. Fortunately, there are a lot of resources out there to support you and your family.
You can find many organizations that will help with everything from food and housing to groups offering grants for you to go back to school and build your professional life. It all begins with making some solid plans and understanding what you need. Begin with the basics, and learn about all of your resources and options. There are local, state, and federal programs that offer health insurance for single moms, plus a lot more.
. This is major stuff in the life of a child and a parent. Healthcare is a huge part of your life, and as a single mother one of the first things to know is that taking good care of yourself is the same as taking good care of your child – so get the insurance you need to be sure you both remain as healthy and fit as possible.
Get Insured. Your Guide to Health Insurance: If You’re a Single Parent. GetInsured.com. 2014. http://www.getinsured.com/answers/single-moms/