2026 Open Enrollment is live — check if you qualify in 2 minutes

healthslane Check Eligibility
ACA Health Insurance

You may pay $0/month
for health coverage

Millions of Americans may qualify for a subsidized ACA plan with a $0 monthly premium, depending on income and household size. Answer a few quick questions to see what you may be eligible for.

See If I Qualify →

Free · No commitment · Takes 2 minutes

Premium as low as

$0/mo

for those who qualify

2

min quiz

40M+

enrolled through
the marketplace

Doctor Visits Prescription Drugs Emergency Care Mental Health Preventive Care Maternity Labs No Pre-existing Denials

Why people switch to a marketplace plan

Subsidies under the Affordable Care Act may lower what you pay each month. Here's what people tell us matters most.

Illustrative example

What a premium may look like with a subsidy

Without subsidy

$480/mo

With subsidy

$0/mo

Figures are illustrative estimates for demonstration only and are not a quote. Your actual premium depends on income, household size, age, location and the plan you choose. Not all applicants will qualify.

0M+

Americans have enrolled in coverage through the health insurance marketplace.

10

10 essential benefits included

Every ACA marketplace plan covers essential health benefits — including doctor visits, prescriptions, emergency care and preventive screenings.

No pre-existing condition denials

Marketplace plans can't turn you down or charge you more because of a pre-existing health condition.

Licensed agents, no pressure

If you want help, you may be connected with a licensed insurance agent who can walk you through your options. Enroll only if it's right for you.

Eligibility

Do I qualify?

Subsidy eligibility is based mostly on your household size and expected yearly income. The ranges below give a rough idea of where many households may qualify for help paying for coverage.

Approximate household income ranges that may qualify for ACA subsidies, by household size
Household size Approx. yearly income that may qualify
1 person about $15,000 – $60,000
2 people about $20,000 – $81,000
3 people about $25,000 – $103,000
4+ people about $31,000 – $124,000+

Illustrative estimates only. The figures above are rounded examples for illustration and are not an offer, quote or determination of eligibility. Actual eligibility, subsidy amounts and plan availability vary by state, age, household size, income and other factors, and change year to year. Not all applicants will qualify.

Check My Eligibility →

Takes about 2 minutes · No obligation to enroll

How it works

Three steps. No paperwork to download, no waiting rooms.

  1. 01

    Answer a few questions

    Tell us your ZIP code, household size and estimated income. It takes about two minutes and there's no cost.

  2. 02

    See plans you may qualify for

    Review the marketplace options and any subsidies you may be eligible for, side by side, in plain English.

  3. 03

    Enroll with a licensed agent

    Have questions? You may be connected with a licensed insurance agent who can help you finish enrollment — or you can walk away.

What people say

"I honestly thought there was a catch. I filled out the questions, the agent explained my options, and my monthly premium ended up far lower than I expected."

Maria L.Florida

"Between contract jobs I had no coverage at all. The whole process took a few minutes and nobody pushed me into anything I didn't want."

James R.Texas

"My prescriptions are covered now and I finally have a primary care doctor again. I wish I'd checked my options a year sooner."

Sara K.California

Illustrative testimonial. The quotes above are illustrative examples created for demonstration purposes and do not describe the experience of specific Healthslane users. Individual results, premiums and savings vary.

Questions, answered

Some people qualify for a premium tax credit large enough to cover the full monthly premium of certain marketplace plans, which means a $0 monthly cost. It isn't guaranteed. Your premium depends on your income, household size, age, state and the plan you pick, and you may still owe deductibles, copays or coinsurance. Not all applicants will qualify.

Generally, U.S. residents who aren't enrolled in Medicare or Medicaid and don't have affordable coverage through an employer may be eligible for marketplace savings, based on expected yearly household income and household size. Eligibility rules vary by state and can change each plan year — the fastest way to know is to check.

No. Healthslane is a private advertising and referral website. We are not HealthCare.gov, not a government agency, and we are not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any federal or state government program. You can always go directly to HealthCare.gov or your state marketplace at no cost.

All qualified marketplace plans cover the ten essential health benefits: doctor visits, hospitalization, emergency care, prescription drugs, mental health and substance use services, preventive care, maternity and newborn care, pediatric services, lab work, and rehabilitative services. Specific networks, drug lists and cost sharing differ from plan to plan.

Open Enrollment for 2026 coverage is happening now. Outside of Open Enrollment you may still be able to enroll with a Special Enrollment Period after a qualifying life event — such as losing job-based coverage, moving, getting married, or having a baby. Dates can differ in state-run marketplaces.

Coverage that fits
your life.

See the marketplace plans you may qualify for — and whether a subsidy could bring your premium down to $0 a month.

Find My Plan →

Free · No commitment · Takes 2 minutes

See If I Qualify →