No one should delay medical care because of cost—but millions of Americans do. The good news? Help is available. This practical guide walks you through the resources that can make treatment affordable, including Medicaid and CHIP, ACA subsidies, Medicare Savings Programs, and HRSA-funded community health centers with sliding-scale fees. You’ll also find national nonprofit foundations like the HealthWell Foundation, PAN Foundation, and CancerCare that offer copay and treatment grants, plus prescription assistance programs that can dramatically cut medication costs. Beyond federal options, we map out state pharmaceutical assistance programs, county hospital charity care, and local nonprofits—like United Way’s 2-1-1 helpline—ready to help. Whether you’re uninsured, underinsured, or facing a new diagnosis, this guide gives you the exact steps, websites, and contact points to get the care you need without sacrificing your financial security.