The government programs designed to help people who are having difficulty affording health insurance are:
Medicaid and the Children's Health Insurance Program (CHIP)
These programs provide health coverage for low-income individuals and families, ensuring access to necessary medical care.
The other options listed include terms or programs that do not specifically address assistance for affording health insurance in the same way. For example, coinsurance is a cost-sharing arrangement, and Medicare primarily serves older adults or certain disabled individuals rather than those specifically struggling to afford insurance.