Do You Qualify for a $0 Health Plan?

Many people pay far less than they expect for health insurance — some pay $0 a month. Work through this checklist to see if you qualify and how to get your biggest savings.

1. 1

   Most people who buy their own plan qualify for help

   Subsidies are based on household size and income — and they now reach further up the income scale than most people think. Don’t assume you earn “too much.”

2. 2

   Estimate your household income for the year

   Your expected annual income decides how much you save. A quick estimate is enough to start — a licensed agent fine-tunes it for free.

3. 3

   Count everyone in your tax household

   You, your spouse, and anyone you claim as a dependent. Household size directly affects your subsidy.

4. 4

   Know your enrollment window

   Open Enrollment runs each fall into mid-January. Had a life change — lost coverage, married, a baby, a move? You may qualify for a Special Enrollment Period right now.

5. 5

   List your doctors and medications first

   Before picking a plan, write them down so you choose one that actually covers what you use — not just the cheapest premium.

6. 6

   Look at Silver plans for extra savings

   If your income is in the right range, Silver plans can unlock cost-sharing reductions that lower your deductible and copays — not just your premium.

7. 7

   Check the “family glitch” fix

   Family members may now qualify for marketplace savings even if one person has job-based coverage. It’s worth a fresh look.

8. 8

   Lawfully present immigrants are often eligible

   Many immigrant families qualify for marketplace coverage and subsidies. Don’t rule yourself out — ask.

9. 9

   Don’t miss the deadline

   Miss your window without a qualifying event and you may wait until next year for coverage. Mark the dates.

10. 10

    Get free help — it costs you nothing

    A licensed agent compares plans, checks your doctors and medications, and finds your biggest savings — at no cost to you.

This guide is general educational information only and is not tax, legal, or insurance advice. Edlando is not affiliated with or endorsed by any government agency.