Percapita

When your healthcare coverage changes, it can feel overwhelming. If you or someone you know has recently lost access to Medicare or Medicaid, you're not alone. While the situation is tough, there are steps you can take to stay afloat financially, find support, and protect your everyday essentials.

At Percapita, we believe everyone deserves access to resources that help them live well and spend smart—especially during uncertain times.

The impact of healthcare changes

Over the past year, many Americans have found themselves unexpectedly removed from public health programs like Medicaid or facing changes in Medicare support. Losing coverage often leads to a ripple effect: higher medical bills, delayed prescriptions, and more pressure on your day-to-day finances.

Steps you can take right now

Here are some ways to protect your health and your wallet:

Look into low-cost or sliding-scale clinics

Community health centers and nonprofit clinics often offer services based on what you can afford. Start by searching through HRSA Health Centers or contacting your local health department.

Use prescription discount tools

There are several apps that exist to dramatically reduce the cost of medications. Some pharmacies also offer $4 generic programs—don't be afraid to ask your pharmacist, they are there to help you.

Explore temporary or alternative coverage

Depending on your situation, you may qualify for a special enrollment period through the Health Insurance Marketplace. Even short-term plans can help bridge the gap.

Tap into community assistance

Organizations like United Way’s 2-1-1 network can help connect you to local resources for food, utilities, transportation, and rent assistance.

It's okay to ask for help—these programs are built for moments like this.

Stretching every dollar, even when it’s tight

At Percapita, we’re here to help you manage your money with more confidence—especially when things feel unpredictable. If you’re facing new out-of-pocket costs, and are looking for ways to save, try:

Percapita makes it easier to organize your finances with free budgeting and savings tools, like the Goals or Needs Accounts. They work alongside your Percapita Cash Account, so you can set money aside and still access it without penalties.

New to budgeting?

Start with our blog How to Build a Financial Routine That Works for You

Losing healthcare coverage is stressful, but it doesn’t have to leave you feeling powerless. With the right tools, resources, and support, you can stay in control of your money—and your future.

Need help adjusting your budget or finding new ways to save? Percapita’s here to make those next steps a little easier.

*Percapita Group, Inc. is a digital company that provides access to products and services to improve financial wellness. Percapita is not a bank. Percapita deposit accounts are provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and determinations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at www.fdic.gov.