Medicaid/SCHIP: Low-Income Families
Although the children in low-income families are generally eligible for Medicaid or SCHIP, the vast majority of parents in these families do not qualify for publicly-subsidized coverage unless they have income far below the poverty line and minimal assets. Since these parents tend to work in low-wage jobs that often do not offer health insurance coverage, they are at high risk of being uninsured – close to one third of parents in families with income below 200 percent of the poverty line are uninsured. When low-income working parents lack coverage, they are more likely to go without needed care or to incur catastrophically high medical bills. A growing body of research also indicates the children of parents without health insurance are more likely themselves to be uninsured and to lack access to care. One particularly vulnerable group of low-income families is those in which the parents have recently left welfare for employment. Although these families generally are eligible to receive some transitional health care coverage through Medicaid after leaving welfare, they often miss out on this coverage due to challenging enrollment procedures and end up uninsured.