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Q  What options do I have if I’m uninsured?
A Thankfully, under the ACA most people have access to some type of coverage. Should you find yourself uninsured and wondering how you’ll pay for care, there are a few questions you should ask yourself before making any decisions.

Do you fall under 400 percent of the federal poverty level?
If you’re uninsured and making below 400 percent of the Federal Poverty Level (FPL), you may qualify for Medicaid – a state-run health insurance plan. However, if you do not qualify for Medicaid and have already received care, as a consumer you have the ability to negotiate payments with your provider and to negotiate a payment plan.

Do you have the ability to pay for healthcare out-of-pocket?
If you have the ability to pay out-of-pocket for your healthcare expenses, providers will sometimes offer what is called a “prompt payment discount” for certain patients; meaning that if you pay your balance quickly and in full, providers will offer a discounted rate for the services you received.

What if I don’t qualify for Medicaid and can’t pay for healthcare on my own?
In a worst-case scenario in which you cannot pay for healthcare and do not qualify for any other options, hospitals will offer care free of charge through what’s known in Ohio as the Hospital Care Assurance Program, or HCAP. This program allows hospitals to serve all patients who walk through their doors, regardless of their ability to pay.


Return to the full list of hospital price transparency questions.