Section 01 / ACA Health Insurance
Plan Year 2026
Health Coverage for $0/Month
Read this first
You may qualify for an Affordable Care Act plan with a $0 monthly premium after federal subsidies — depending on your income and household size. Caresvanta helps you check in about two minutes and compare the plans available in your ZIP code.
Eligibility, plan availability and pricing vary by state. Not all applicants will qualify.
Caresvanta by the numbers
0
Enrolled Nationwide
0
Avg Premium If Eligible
0
Essential Benefits
0 min
To Check Eligibility
Figures are national, illustrative estimates. “$0 premium” refers to premiums after applicable federal subsidies for those who qualify.
Section 02 / Index
What’s
Covered
Every Marketplace plan must include these ten essential health benefit categories. Specific networks, drug lists and cost sharing differ by plan and by state.
| No. | Benefit category | What it generally includes |
|---|---|---|
| 01 | Outpatient Care | Doctor and specialist visits that don’t require a hospital stay. |
| 02 | Emergency Services | Emergency room care, generally without prior authorization. |
| 03 | Hospitalization | Inpatient stays, surgery and overnight hospital treatment. |
| 04 | Maternity & Newborn | Pregnancy care, labor, delivery and care for the newborn. |
| 05 | Mental Health | Behavioral health, counseling and substance use disorder services. |
| 06 | Prescription Drugs | Covered medications, subject to each plan’s formulary. |
| 07 | Rehab Services | Rehabilitative and habilitative therapy, plus covered devices. |
| 08 | Lab Services | Diagnostic testing and laboratory work ordered by a provider. |
| 09 | Preventive Care | Screenings, wellness visits and chronic disease management. |
| 10 | Pediatric Care | Care for children, including dental and vision services. |
Deductibles, copayments, coinsurance and out-of-pocket maximums may still apply. Benefit details vary by plan, carrier and state.
Section 03 / Eligibility
Illustrative Estimates Only
Do I qualify?
| Household size | Approx. income range | May qualify for |
|---|---|---|
| 1 Person | $15,650 – $62,600 | Premium tax credit; $0 premium plans possible |
| 2 People | $21,150 – $84,600 | Premium tax credit; cost-sharing reductions possible |
| 3 People | $26,650 – $106,600 | Premium tax credit; children may qualify for CHIP |
| 4+ People | $32,150 – $128,600+ | Premium tax credit; larger households may exceed range |
Caption: the figures above are illustrative estimates for demonstration purposes only. They are not a quote, an offer of coverage, or a determination of eligibility. Actual eligibility, subsidy amounts and plan availability vary by state, ZIP code, age, household size and household income, and are determined by the Health Insurance Marketplace. Not all applicants will qualify.
Two minutes
Not sure where you land? Check it instead of guessing.
Answer a few questions about your household and see the plans you may qualify for in your area.
Section 04 / Process
Three Steps
How it works
01
Answer a few questions
Tell us your ZIP code, household size and approximate income. No documents, no payment details.
02
Compare plans you may qualify for
See the options available in your area, including any premium tax credit you may be eligible to receive.
03
Enroll with a licensed agent
A third-party licensed insurance agent can answer questions and help you complete enrollment.
Section 05 / Voices
Illustrative Testimonials
In their words
★★★★★
“I assumed coverage was out of reach. After checking, my premium came out at $0 a month.”
Maria L. — Florida
Illustrative testimonial
★★★★★
“Took about two minutes. The agent explained the plan options without pushing anything on me.”
James R. — Texas
Illustrative testimonial
★★★★★
“Self-employed, so I paid full price for years. I qualified for a subsidy I never knew existed.”
Sara K. — California
Illustrative testimonial
Section 06 / Questions
Straight
answers
Short, hedged and honest. If something applies only to some households, we say so.
For some households, yes. A $0 monthly premium is possible when federal subsidies cover the full premium of an available plan. Whether you qualify depends on your income, household size, age and state. Deductibles, copays and other out-of-pocket costs may still apply.
Generally, U.S. citizens and lawfully present residents who are not enrolled in Medicare and do not have affordable employer coverage may buy a Marketplace plan. Subsidy amounts depend on income and household size. Not all applicants will qualify.
No. Caresvanta is a private advertising and referral service. We are not affiliated with HealthCare.gov, the Centers for Medicare & Medicaid Services, or any federal or state agency. You can always enroll directly at HealthCare.gov or your state marketplace.
Every Marketplace plan includes the ten essential health benefits listed in Table A — including doctor visits, emergency care, hospitalization, prescriptions, maternity, mental health and preventive care. Networks, drug lists and cost sharing differ by plan and state.
During annual Open Enrollment, or any time you have a qualifying life event — such as losing coverage, moving, marriage or a new child — which may open a Special Enrollment Period. Exact dates vary by state.
Section 07 / Next Step
Coverage starts
with one
question.
Free · No commitment · 2 minutes