$0 Health Program
A $0 monthly premium is real for many households. Let's check yours.
The $0 Health Program is ACA Marketplace coverage where advance premium tax credits cover the full monthly premium. Here's how we find out if that applies to you — without the fine-print runaround.
How the screening works
We look at your household
How many people are on your tax return, and roughly what the household expects to earn this year. That's the core of the subsidy math.
We check the plans in your county
Advance premium tax credits are tied to the benchmark plan where you live. Two neighbors in different counties can get different answers.
You see the real numbers
Plan names, networks, deductibles and what the premium actually comes to after credits — including when $0 isn't the best value for you.
You're likely a fit if…
- You buy your own coverage rather than getting it through an employer
- Your household income falls in the range where premium tax credits are largest
- You're a U.S. citizen or lawfully present resident in Florida
- You're enrolling during open enrollment or have a qualifying life event
Not sure about one of these? Ask anyway — screening is free and takes one short call.
Important disclosure
Insurance Galore is an independent agency and is not affiliated with or endorsed by any government agency, including the Health Insurance Marketplace or CMS. Eligibility for premium tax credits and a $0 premium is determined at application based on household size, income and the plans available in your area. Nothing here guarantees savings or enrollment.
Check my $0 eligibility
Two quick questions about your household, then how to reach you. A licensed agent runs the numbers.
Takes under 2 minutes · No SSN required to check eligibility.
- Coverage
- 2Your situation
- 3Contact details
- 4Done
A few quick questions
About ACA Marketplace — this is all we need to start.
Used only to screen for subsidy eligibility. Final eligibility is determined at application.