Health Insurance
Showing 3 verified programs in this category
Estimates only — always confirm exact eligibility on the program's official site. See how we verify our data.
Lowers your monthly premium
Check Official Eligibility ↗ACA Marketplace Premium Subsidy
HealthCare.gov
A tax credit that reduces the monthly cost of health insurance bought through the ACA Marketplace, applied directly to your premium.
- ✓Income must fall between 100% and 400% of the Federal Poverty Level
- ✓Not eligible if your income qualifies you for Medicaid instead in your state
- ✓Not eligible if affordable employer coverage is available to you
- ✓The 2026 "subsidy cliff" at 400% FPL has returned after enhanced pandemic-era subsidies expired
Max BenefitVaries — reduces premium based on income as a % of the benchmark plan
Income RangeBetween 100% and 400% of the Federal Poverty Level
How to ApplyApply during Open Enrollment at HealthCare.gov or your state's health insurance marketplace.
Free or low-cost health coverage
Check Official Eligibility ↗Medicaid
CMS / State Medicaid Agencies · Varies by state
Free or low-cost health insurance for low-income individuals and families, run jointly by federal and state governments.
- ✓10 states have not adopted Medicaid expansion, which lowers income limits significantly there
- ✓Children and pregnant women typically qualify at higher income levels than other adults
- ✓If eligible for Medicaid, you generally do not qualify for ACA marketplace subsidies instead
- ✓Eligibility rules and covered services vary meaningfully by state
Max BenefitFull health coverage (varies by state Medicaid plan)
Income RangeUp to 138% of the Federal Poverty Level in states that expanded Medicaid; lower limits in non-expansion states
How to ApplyApply through your state Medicaid agency or via HealthCare.gov, which will route you to Medicaid if eligible.
Free or low-cost coverage for kids
Check Official Eligibility ↗CHIP (Children's Health Insurance Program)
CMS / State CHIP Agencies · Varies by state
Health coverage for children in families that earn too much for Medicaid but cannot afford private insurance, run jointly by states and the federal government.
- ✓Covers children from birth through age 18 (age 19 in some states)
- ✓Family income must exceed the Medicaid limit but fall under the state's CHIP ceiling
- ✓You will not pay more than 5% of your family income for the year in CHIP costs
- ✓Applying through HealthCare.gov automatically checks both Medicaid and CHIP eligibility
Max BenefitFull pediatric health coverage (cost-sharing capped at 5% of family income)
Income RangeVaries by state, generally 170% to 400% of the Federal Poverty Level
How to ApplyApply through HealthCare.gov or directly through your state Medicaid/CHIP agency.