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One illness or accident without insurance can cost you a lot.

Being treated in the emergency room for a urinary tract infection or a sprained ankle , for instance, could cost you thousands of dollars.

Unlike adults, children and pregnant women are generally eligible at up to 185% of the federal poverty line.

So, in many cases, parents are not eligible for medicaid because they make more than 100% of the federal poverty line, but the children in the family are eligible because the family's income is less than 185% of the federal poverty line.

It covers in-patient treatments, pre-hospitalization expenses, 144 day-care procedures, domiciliary treatments and many such expenses incurred during treatment.

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To apply for medicaid, you must apply through the Department of Health and Human Services in your home state.

The cost-sharing subsidy is only available on silver plans You'll be more likely to get preventive carewhen you have insurance. If you buy a plan through your state's Marketplace, many preventive health services will be available to you without having to pay out-of-pocket costs at the time of your visit.

If you use prescription birth control , you'll save money if you have insurance.

With the HDFC ERGO Health Suraksha health insurance plan, you get access to a network of more than 5000 hospitals in the country for availing cashless hospitalization and health care facilities.

Health Suraksha offers a policy period of 1 year and 2 years with basic sum insured per year ranging from Rs 3 to 10 lacs.

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