There are several federal and state laws and programs that protect and provide for people with disabilities or chronic medical conditions.

Research each of these programs and understanding their eligibility requirements, long before you may need them, can assist you in your life and financial planning and may provide you and your family with a safety net. 

Current government assistance plans/programs include:

• COBRA
• HIPAA
• Health Savings Accounts (HSAs)
• State Health Insurance Risk Pools
• Social Security Disability Income (SSDI)
• Supplemental Security Income (SSI)
• Medicare
• Medicaid

You may find more information about these programs in Government Programs for Uninsurable Chronic Medical Conditions, an article that offers a clear and easy-to-understand overview of them.  Pre-Existing Condition Insurance Plans represent additional options that will soon be available.

LEARN MORE

• About COBRA (and HIPAA)