You do not need insurance to get affordable healthcare. Average ER visit: $2,200. Average urgent care: $200. Average FairPass provider visit: $75-$150. Know your options.
$29/month. Cancel anytime. No contracts.
Being uninsured does not mean you cannot afford care. It means you need to know where to look and how to negotiate. Here is what most people do not realize:
27.6M
Americans without health insurance in 2024
$2,200
Average ER visit cost. Most visits are non-emergencies.
$75-$150
Cash-pay doctor visit through FairPass price data.
Each path works independently or together. Most uninsured patients combine 2-3 of these strategies.
Use FairVisitHealth to find providers who offer competitive cash-pay rates. Many charge 40-80% less than what insurance companies are billed.
Best for:
Specific procedures, imaging, labs, specialist visits, dental
Pay $75-$150/month directly to a primary care doctor for unlimited visits, same-day appointments, and often basic labs and medications included.
Best for:
Ongoing primary care, chronic conditions, preventive health
Federally Qualified Health Centers serve everyone regardless of ability to pay. Over 1,400 locations with sliding-scale fees based on income.
Best for:
Low-income patients, families, comprehensive primary + dental care
Non-profit hospitals are required to offer charity care. If your income is below 400% of the federal poverty level, you may qualify for free or heavily discounted care.
Best for:
Hospital bills, emergency care, surgical procedures
Your income level determines which programs you may qualify for. Here is a quick guide:
Prices shown are estimated market ranges based on public hospital and provider data.