Getting covered if you’re under 30

Still need health coverage for 2021?

You can still get 2021 health insurance these 2 ways:

  • If you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, moving, or having a baby. You may also be able to enroll now if you got or were approved to get unemployment compensation in 2021. (The Marketplace will follow up with you shortly after you submit your application if you’re eligible for this Special Enrollment Period.) If eligible, you may qualify for help paying for coverage, even if you weren’t eligible in the past. Learn more about lower costs.
  • If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply for these programs any time.

If you’re under 30, you can get health coverage a few different ways, some designed specifically for you. Here are some different ways to get health coverage.

Getting or staying on a parent’s plan

Buying your own insurance plan

  • Depending on your situation, you may be eligible for savings based on your income. You can pick a "Catastrophic" health plan — a way to protect yourself mainly from worst-case scenarios.
  • One catch: If someone claims you as a tax dependent, you can buy a plan through the Marketplace but won't qualify for savings based on your income.

Student health plans

  • If you're in school, you may be able to enroll in a student health plan — and meet the requirement for having coverage under the health care law.

Medicaid and CHIP

  • If your income is low or you have certain life situations, you could qualify for free or low-cost coverage through Medicaid.
  • If your state has expanded Medicaid coverage, you can qualify based on your income alone — in many states that have expanded, that's about $17,608 or less for a single person, about $23,791 or less for a married couple with no children. Do a quick check here.
  • In all states, you can qualify based on factors including income, some family situations like pregnancy and having young children, and disability.
  • If you have children, they might qualify for coverage under the Children’s Health Insurance Program (CHIP) — even if you don't qualify for Medicaid.

Fill out a Marketplace application any time of year to find out if you qualify for Medicaid and CHIP. Get started now.