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Klüger ausgeben. Mehr sparen. Weniger schulden. Von dort aus aufbauen.
Sunrise over a quiet residential street

Von $0 aus starten

Hilfe mit healthcare.

No coverage, a scary bill, or medicine that costs too much.

Was heute zu tun ist

  • Community health centers see you NOW, sliding-scale to $0, insured or not.
  • Apply for Medicaid any time — job loss is a qualifying moment, and coverage can reach back to recent bills in many states.
  • Ask every hospital bill for 'financial assistance' — nonprofit hospitals are required to have a policy.
Medical debt: negotiate before paying →

Programme, die sich lohnen zu prüfen

You may qualify depending on income, household size, disability status, age, location, and other factors. Programs and rules change by state and year — the official link is the authority.

Community health centers

Offiziell

Medical, dental and mental-health care priced on a sliding scale down to $0, insurance or not. Federally funded, in most communities.

Wer infrage kommen könnte: Everyone; fees scale with income.

Offizielle Website Zuletzt geprüft: 2026-08-14

Medicaid

Offiziell

Free or very-low-cost health coverage. In many states, coverage can be retroactive up to three months before you applied.

Wer infrage kommen könnte: Income-based; expanded in most states. Apply any time of year — job loss and income drops are exactly when to (re)apply. You may qualify depending on income, household size, disability status, age, location, and other factors. Programs and rules change by state and year — the official link is the authority.

Offizielle Website Zuletzt geprüft: 2026-08-14

CHIP (children's coverage)

Offiziell

Low-cost health coverage for children in families that earn too much for Medicaid but can't afford private insurance.

Wer infrage kommen könnte: Children (and pregnant people in some states) under state limits. You may qualify depending on income, household size, disability status, age, location, and other factors. Programs and rules change by state and year — the official link is the authority.

Offizielle Website Zuletzt geprüft: 2026-08-14

Healthcare.gov marketplace

Offiziell

Health plans with income-based subsidies. Losing a job or coverage opens a special enrollment period outside the annual window.

Wer infrage kommen könnte: US residents without affordable employer coverage. You may qualify depending on income, household size, disability status, age, location, and other factors. Programs and rules change by state and year — the official link is the authority.

Offizielle Website Zuletzt geprüft: 2026-08-14

988 Suicide & Crisis Lifeline

Offiziell

Call or text 988 for free, confidential mental-health crisis support, 24/7. Money crises are health crises too.

Wer infrage kommen könnte: Everyone.

Offizielle Website Zuletzt geprüft: 2026-08-14

Hilfe in deiner Nähe finden

Deine Postleitzahl schaltet die lokalen Angebote frei. Diese offiziellen Suchwerkzeuge suchen nach Postleitzahl – tippe auf eines, gib deine PLZ ein und sieh, was es in deinem Landkreis gibt:
What should I do next? Alle HilfekategorienGeld jetzt – auf legalem WegVollständiges RessourcenverzeichnisEin Grundbudget aufstellen