Finding affordable healthcare without insurance may seem daunting, but there are more options than you may think. Here are more than 18 resources that can provide assistance.
It’s no secret that accessing healthcare can be very expensive. If you don’t have insurance, those costs are even higher. In fact, 85% of uninsured people in the United States reported that paying for healthcare was difficult in 2022.
Fortunately, there are resources that can help you find and pay for medical care without insurance. You can find care at low or no cost with a variety of programs designed to help people without health insurance get the care they need.
Can you get medical care if you don’t have health insurance?
Yes, you can get medical care if you don’t have health insurance.
In the United States, hospital emergency rooms are required to provide treatment regardless of insurance or ability to pay.
Additionally, there are many medical facilities that provide routine care to people who don’t have insurance. You will be asked to pay for any care you receive, but there are ways to find healthcare at a lower cost.
Where can you find care if you don’t have health insurance?
There are a variety of options for seeking care if you don’t have insurance. Many of these options are designed to be affordable. In some cases, you might be able to get certain healthcare services for free.
Care locations that assist people who don’t have insurance
You can find low cost or free care in several locations:
Community health centers
Community health centers are nonprofit health clinics that offer low cost or free care. Often, fees are set on an income-based sliding scale, and staff will work with you to determine your costs.
The exact services offered by a community health center depend on the location but generally include:
- preventive healthcare
- basic healthcare
- family planning services
- chronic condition management
Some community health centers also offer prescription medications and dental care. You can search for community health centers near you by checking here.
State or county departments of health
Your state or county department of health might cover certain healthcare services for eligible residents. Often, this includes access to preventive care, such as vaccines or screenings.
You might need to register in advance and prove that you reside in the county or state to receive free care.
You can search for your local department of health here.
Urgent care and walk-in clinics
Urgent care centers and walk-in clinics offer care without an appointment. Often, these facilities offer reduced cost care for people who don’t have insurance. Some urgent care centers list costs for standard services on their websites.
You can also call ahead to talk with a representative about fees and possible cost reductions for people without insurance.
Pharmacy care clinics
Pharmacies, including the pharmacies inside major national chains such as Walmart, often provide preventive care services for free. These services are normally provided during health clinics held on specific days.
Services offered can vary but typically include:
- blood pressure screenings
- blood sugar readings
- vital sign checks
- screenings for certain conditions
You can check with your local pharmacy about any upcoming clinics, or search online for pharmacy clinics in your area.
If you have a teaching hospital in your area, you might be able to receive care at a reduced rate. The exact care you can access at a reduced rate depends on the hospital and the needs of the medical students.
You can call the teaching hospital and ask whether they offer any reduced cost care.
Employer-sponsored wellness programs
Some employers offer wellness programs to their employees. In many cases, this includes preventive healthcare, such as annual vaccines and healthcare screenings.
You can check in with your human resources department if you’re not sure what healthcare benefits are part of your employer’s wellness program.
The National Association of Free & Charitable Clinics
You can use the National Association of Free & Charitable Clinics website to search for health clinics and pharmacies in your area that offer free or low cost services.
The association is dedicated to caring for people who are uninsured or underinsured. There are more than 1,400 clinics and pharmacies in the association.