If you’re under 30, you can get health coverage a few different ways, some designed specifically for you. With a range of plan types and costs, it’s not hard to find insurance that works for you.
Apply now, or just check out prices first
Health coverage options
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. If you’re just starting your career and not making much money, you could get a very affordable plan. More than 8 in 10 people who apply are eligible for savings, and most of them can find plans for between $50 to $100 per month.
- You can pick a “Catastrophic” health plan – an affordable way to protect yourself from worst-case scenarios.
- Applying can be easy and fast. If you’re single or have a pretty straightforward family situation, applying and finding out what savings you qualify for won’t take much time at all.
- 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.
- Start an application now or see plans and estimated prices before you log in.
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 most states that have expanded, that’s about $16,500 for a single person, about $22,000 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 to find out if you qualify for Medicaid and CHIP. If you’re not eligible, we’ll tell you if you qualify for an insurance plan with savings based on your income instead. Get started now.
Get covered – or pay a fee
- Under the health care law, you must have qualifying health coverage or pay a penalty on your next federal tax return.
- The penalty is 2.5% of household income or $695 per adult (half of that per child), whichever is higher. Learn more about the fee for not being covered.