If health insurance were FREE, you would almost certainly sign up for it. However, over 7% of Americans do not have health insurance coverage (CDC, Office for Health Statistics), and most would qualify for federal and state subsidies. Many currently uninsured families could receive these benefits to ensure they and their dependents have FREE coverage.
Are you and your family among the twenty-five million Americans who may qualify for premium-free health insurance and do not apply?
Your circumstances may entitle you to PREMIUM-FREE health insurance, FREE PREVENTIVE MEDICAL SERVICE, and the FREEDOM TO ENROLL AT ANY TIME without penalty.
It may be free, but is it easy?
READ ON!
This is not a 101 article attempting to cover every aspect of health insurance for the American public in general. It is intended to encourage anyone who does not have health insurance coverage to pause and reflect…If only health insurance were free.
Premium-free health insurance
You may be surprised to learn that over eighty percent of enrollees on ACA-compliant health insurance plans are entitled to join with net premiums (federal and state subsidies included) of less than $10 per month, in many cases, premium-free.
You may be one of the twenty-five million Americans who do not have health insurance. This is a deliberate choice for some families (over 25% of uninsured adults); for others, the deciding factor is affordability. They may not be aware that if your income is below 150% of the federal poverty level (in 2025, this is $54,870 for a household of five or $22,590 for an individual), tax relief and subsidies that you can enroll on an ACA compliant plan, premium-free. You are not alone – 67% of uninsured Americans consider ‘affordability’ one of their reasons (KFF analysis of National Health Interview Survey).
Free preventive medical service
Prevention is always better than cure. At the core of all ACA-compliant plans are ‘FREE’ preventive care and early detection programs.
Preventive care aims to maintain good health, reduce the risk of developing chronic conditions, and identify health problems early when they are more easily treated and the outcomes more beneficial to your quality of life.
These services include regular: –
- Check-ups
- Screenings
- Immunizations
- Health Education
In particular, women can take advantage of mammograms, cervical cancer screenings, and pediatric services.
Freedom to enroll at any time
State and federal subsidies depend on household income. They are only available to those who enroll during the ‘open enrollment’ period, which typically extends from November 1st to January 15th, and the opportunities to make changes to specific events and for limited periods.
However, if your household income is below $54,870 ($22,950 for individuals), you are eligible for a year-round special enrollment period (SEP). You can enroll inand make changes in a premium-free, ACA-compliant insurance plan anytime to match changes in your circumstances.
Changes in household circumstances may include
- Additions to the family
- Changes in marital status
- Aging off at 26 or 65
- Change of location
- Loss of employer-sponsored coverage.
An SEP based on one of these factors is typically open for three months before and after the event. However, low-income families can modify their plans at any time to respond to their changing needs.
We have outlined the federal regulations that govern eligibility for a low-income SEP (Special Enrollment Period), but individual states have flexibility in how these are applied. For example, some states extend the SEP to incomes above 150% of FPL or have alternative programs that offer year-round availability.
Enrollment is straightforward, but it makes sense to consult a qualified independent insurance broker with specialist knowledge of your state-funded subsidies and benchmark plans.
It will cost you nothing to involve an experienced health insurance specialist to help find the right plan for you and make the most of the subsidies and allowances to which you are entitled.
