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Unemployed people

Health coverage options if you’re unemployed

If you’re unemployed you may be able to get an affordable health insurance plan through the Marketplace, with savings based on your income and household size. You may also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
Your household size and income, not your employment status, determine what health coverage you’re eligible for and how much help you’ll get paying for coverage.

Your options depend on your household income

When you apply for Marketplace coverage you’ll estimate your income for the current calendar year.

Medicaid, CHIP, and insurance plans through the Marketplace

When you fill out a Marketplace application, you’ll find out if you qualify for any of these types of coverage:
  • A Marketplace insurance plan. You may qualify for premium tax credits and savings on deductibles, copayments, and other out-of-pocket costs based on your household size and income. Some people with low incomes may wind up paying very small premiums. Learn about getting lower costs on a Marketplace insurance plan.
  • Medicaid. Medicaid provides coverage to millions of Americans with limited incomes or disabilities. Many states have expanded Medicaid to cover all people below certain income levels. Learn more about Medicaid and how to apply.
  • Children’s Health Insurance Program (CHIP). CHIP provides coverage for children, and in some states pregnant women, in families with incomes too high for Medicaid but too low to afford private insurance. Learn more about CHIP.
After you finish your Marketplace application, you’ll get an eligibility determination that tells you what kind of coverage you and others in your household qualify for.

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