Skip to main content

An official website of the United States government

Here's how you know

People under 30

Why bother with health insurance?

If you’re young and healthy, you may think you don't need health insurance. A few things to think about:

It may be more affordable & easier than you think

  • When you apply for insurance through the Marketplace, you’ll find out if you qualify for savings that can make insurance less expensive. You may save on out-of-pocket costs too, meaning you’ll have a lower
    and pay less each time you get care.
  • You can pick a "Catastrophic" health plan — a 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.

Protection & quality care when bad things happen

  • Nobody plans to get sick or hurt, but bad things happen — even to healthy people. A broken leg can cost $7,500 to treat. Three days in the hospital can cost $30,000. That’s a lot of money to come up with out of your own pocket. Having that kind of medical debt can really limit your options.
  • If you're paying for every medical service yourself, you may make some health care decisions based on money instead of what's best for your health.

Complete coverage

  • All Marketplace insurance plans cover emergency room services, doctor and hospital charges, pregnancy, treatment for all pre-existing conditions, mental health and substance abuse services, lab work, and a list of essential health benefits. Some include dental coverage.
  • Plans cover services like breast cancer screenings for women and a whole range of preventive services for all adults and children.
  • All plans are offered by private insurance companies that compete for your business based on features and price.

So will you save? Find out fast

  • Use this quick tool to check if your income puts you in the range to save on an insurance plan. You'll also find out if you're in the range for Medicaid in your state. It'll take about a minute.
  • Preview plans and find out how much you'd pay for them based on your income. You don't have to create an account or give us your name to check plans out.

One application to get your choices & costs

Fill out just one Marketplace application to find out if you qualify for:
  • An insurance plan with savings based on your income. You'll find how much you'll save immediately. Our sorting and filtering tools make it easy to check out plans side-by-side.
  • Free or low-cost coverage through
    . If you have children, you'll find out if they qualify for coverage through the
    .
One catch: If someone claims you as a tax dependent, you can buy an insurance plan through the Marketplace but won't qualify for savings based on your income.

You are leaving HealthCare.gov

You're about to connect to a third-party site. Select Continue to proceed or Cancel to stay on this site.

Learn more about links to third-party sites - null