2026 ACA Open Enrollment is active — check your eligibility today

ACA Health Insurance

$0/mo

Premium for those who qualify

Real health coverage, possibly for $0 a month.

Millions of Americans may qualify for federal subsidies that lower their monthly premium to as little as $0 — depending on income and household size. Check your eligibility in about two minutes.

See If I Qualify →

Free · No commitment · Takes 2 minutes

Join 40M+ Americans enrolled
No pre-existing condition denials
0

Americans enrolled in ACA coverage

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Average premium for eligible enrollees

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Essential health benefits included

What's covered

Every ACA plan includes the essentials

Marketplace plans are required to cover these ten categories of care — no matter which plan you choose.

Doctor Visits

Primary care and specialist visits, including telehealth options on many plans.

Prescription Drugs

Coverage for generic and brand-name medications through your plan's formulary.

Emergency Care

ER visits and hospitalization, so an unexpected night doesn't become a crisis.

Mental Health

Behavioral health and substance use services are covered like medical care.

Preventive Care

Annual check-ups, screenings and vaccines at no extra cost in-network.

No Pre-existing Condition Denials

Marketplace plans can't turn you away or charge more for your health history.

How it works

Three steps. About two minutes.

  1. 1

    Answer a few questions

    Basic details like your ZIP code, household size and estimated income.

  2. 2

    See plans you may qualify for

    Review options and any subsidy you may be eligible for, side by side.

  3. 3

    Enroll with a licensed agent

    A licensed insurance agent can answer questions and help you finish enrolling.

Start My Free Check →

Free · No commitment · Takes 2 minutes

Stories

What coverage can feel like

Illustrative testimonial — for demonstration purposes only

★★★★★
I put off getting insured for years because I assumed I couldn't afford it. It turned out I qualified for a $0 premium plan, and I finally have a doctor again.
ML Maria L. Florida
★★★★★
The check took a couple of minutes and a licensed agent walked me through the differences between plans. No pressure, just clear answers.
JR James R. Texas
★★★★★
My prescriptions and my yearly check-ups are covered now. Knowing my family is protected is worth more than I expected to pay.
SK Sara K. California

FAQ

Questions, answered

For some households, yes. Federal premium tax credits can reduce a monthly premium to as little as $0, but the amount varies depending on income and household size. Not all applicants will qualify.

Eligibility generally depends on your estimated annual income, household size, ZIP code and whether you have access to other qualifying coverage. The quickest way to find out is to complete the short eligibility check.

No. Coverswell is not affiliated with HealthCare.gov, the Health Insurance Marketplace or any federal or state government agency. We connect interested consumers with third-party licensed insurance agents.

All Marketplace plans include ten essential health benefits — such as doctor visits, prescription drugs, emergency care, mental health services and preventive care. Specific networks, copays and deductibles vary by plan.

During Open Enrollment, or any time you have a qualifying life event — such as losing coverage, moving, marriage or the birth of a child — which may open a Special Enrollment Period.

Your coverage is waiting.

Find out in about two minutes whether you may qualify for a plan with a $0 monthly premium — depending on income and household size.

Find My Plan →

Free · No commitment · Not all applicants will qualify.