Is there a way for me to get healthcare when I have no income? (TX)

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I’ve been unemployed for almost a full year. In Texas, I don’t qualify for Medicaid because I’m young and don’t have disabilities. If I put in $0 income, it shows that my monthly premium will be over $200/month for the worst healthcare plan. I really only need health insurance for if something like an accident happens and I end up in the hospital. I never go to the doctor, I only get sick maybe once every couple of years, I don’t have prescriptions or anything like that. The only outlier is Covid, but I’m pretty careful about being around lots of people and it is pretty unlikely (I think) that I would end up needing to be hospitalized, should I catch it. Honestly what it comes down to is with no income I can barely afford to pay my rent and groceries, let alone a couple hundred bucks every month in case of emergency.

Is there anything I can do? Or should I just go without insurance? My goal is to get a job that provides some sort of healthcare but I’ve been unemployed for so long I’m worried that it might be a while before I find that. My mom also told me that I can get charged for not having health insurance, is that true? I’ve gone without health insurance before, how would the government even know? If that is really a thing, how on earth would someone with no money be able to afford healthcare or be able to afford getting hit financially for not having healthcare? Just doesn’t make any sense.

submitted by /u/PrimaryBattle
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I’ve been unemployed for almost a full year. In Texas, I don’t qualify for Medicaid because I’m young and don’t have disabilities. If I put in $0 income, it shows that my monthly premium will be over $200/month for the worst healthcare plan. I really only need health insurance for if something like an accident happens and I end up in the hospital. I never go to the doctor, I only get sick maybe once every couple of years, I don’t have prescriptions or anything like that. The only outlier is Covid, but I’m pretty careful about being around lots of people and it is pretty unlikely (I think) that I would end up needing to be hospitalized, should I catch it. Honestly what it comes down to is with no income I can barely afford to pay my rent and groceries, let alone a couple hundred bucks every month in case of emergency. ​ Is there anything I can do? Or should I just go without insurance? My goal is to get a job that provides some sort of healthcare but I’ve been unemployed for so long I’m worried that it might be a while before I find that. My mom also told me that I can get charged for not having health insurance, is that true? I’ve gone without health insurance before, how would the government even know? If that is really a thing, how on earth would someone with no money be able to afford healthcare or be able to afford getting hit financially for not having healthcare? Just doesn’t make any sense.
submitted by /u/PrimaryBattle [link] [comments]Read Morer/HealthInsurance

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