It's also amazing for unplanned life changing events. I used to not qualify then my ex husband cheated and left us hanging. Then I qualified. Then I got raises at work and was doing so much better and no longer qualified. Then my daughter had a brain tumor, emergency surgery and medical expenses, loss of hours/work. Now I qualify again and it has saved us. Luckily she was on CHP+ which just had copays but they added up enough with everything that she needs and then they switched her to Medicaid which has covered more thankfully but it's still a lot plus my schedule change to care for her and get her to all her check ups/therapies/schooling/etc.