People under 30

Why bother with health insurance?

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
  deductible

  The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.

  Refer to glossary for more details.

  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

• 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
  Medicaid

  Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.

  Refer to glossary for more details.

  . If you have children, you'll find out if they qualify for coverage through the
  Children’s Health Insurance Program (CHIP)

  Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP covers pregnant women.

  Refer to glossary for more details.

  .