Health insurance is a necessity, but for many, the cost can be overwhelming. Fortunately, there are several health insurance programs and plans that offer coverage with zero-dollar monthly premiums for those who qualify.
Whether you are unemployed, have a low income, or need temporary coverage, various programs provide access to essential healthcare services at no cost. This article covers the best health insurance plans available in the U.S. with zero-dollar premiums, who qualifies, and how to apply.
1. Medicaid – Free Comprehensive Coverage
Medicaid is a state and federally funded program that provides free health insurance to eligible low-income individuals, families, pregnant women, seniors, and people with disabilities.
- Doctor visits and hospital stays
- Prescription drugs
- Preventive care and mental health services
- Emergency care
Who qualifies:
- Income at or below 138% of the federal poverty level (varies by state)
- Some states allow expanded Medicaid eligibility
How to apply: Visit HealthCare.gov to check eligibility.
2. Children's Health Insurance Program (CHIP) – Free for Kids
CHIP provides free or low-cost health coverage for children in families that earn too much for Medicaid but cannot afford private insurance.
- Routine checkups and immunizations
- Dental and vision care
- Emergency services
Who qualifies:
- Children up to 19 years old in low-income families
- Some states cover pregnant women
How to apply: Visit HealthCare.gov.
3. ACA Marketplace Plans – $0 Premiums with Subsidies
The Affordable Care Act (ACA) offers premium tax credits and cost-sharing reductions that make many Marketplace plans free for lower-income individuals.
- Preventive care
- Prescription drugs
- Emergency and hospital care
Who qualifies:
- Income between 100% and 400% of the federal poverty level may get subsidies
- Some earners qualify for zero-dollar premium plans
How to apply: Visit HealthCare.gov.
4. Medicare Savings Programs – Free Medicare for Low-Income Seniors
Medicare Savings Programs (MSPs) help cover Medicare Part A and B costs for low-income seniors and individuals with disabilities.
- Medicare premiums
- Deductibles, copays, and coinsurance
Who qualifies:
- Income limits apply (varies by state)
How to apply: Contact the state Medicaid office or visit Medicare.gov.
5. $0 Premium Medicare Advantage Plans
Many Medicare Advantage (Part C) plans offer zero-dollar premium options for eligible seniors.
- Dental, vision, and hearing coverage
- Gym memberships and wellness programs
- Prescription drug coverage
Who qualifies:
- Must be enrolled in Medicare Parts A and B
How to apply: Compare plans at Medicare.gov.
6. Employer-Sponsored Health Insurance – Some Companies Pay 100%
Some employers fully cover health insurance premiums as a job benefit.
- Comprehensive healthcare benefits
- Family plan options
Who qualifies:
- Varies by employer
How to apply: Check with the human resources department.
7. Health Insurance Cooperatives (Co-Ops) – Member-Owned Plans
Health co-ops offer affordable coverage, and some provide free premiums based on income.
- Doctor visits, hospital care, and prescriptions
- Preventive care
Who qualifies:
- Residents in states with co-op health plans
How to apply: Search for health insurance co-ops in the state.
8. Direct Primary Care (DPC) – Low-Cost Primary Care
DPC allows unlimited primary care visits for a flat fee, sometimes covered by employers or charities.
- Unlimited doctor visits
- Discounted lab tests and medications
Who qualifies:
- Available nationwide but requires an employer or sponsor
How to apply: Search for DPC providers in the area.
9. Short-Term Health Insurance – Temporary $0 Premium Options
Short-term plans are not ACA-compliant but can provide temporary coverage with free premium incentives.
- Emergency and hospitalization care
- Some prescription and doctor visits
Who qualifies:
- People between jobs or waiting for open enrollment
How to apply: Compare plans on sites like eHealthInsurance or Pivot Health.
10. Community Health Centers – Free or Sliding-Scale Care
Federally Qualified Health Centers (FQHCs) offer free or low-cost healthcare services regardless of insurance status.
- General medical care
- Mental health and substance abuse treatment
- Preventive services
Who qualifies:
- Low-income individuals and families
How to apply: Find centers at findahealthcenter.hrsa.gov.
Final Thoughts
Several zero-dollar health insurance options are available based on income, age, and employment status. Exploring eligibility for Medicaid, CHIP, ACA subsidies, or Medicare programs can help secure essential coverage at no cost.
- Medicaid and CHIP are the best options for low-income individuals and families
- Medicare Savings Programs and Advantage Plans work well for seniors
- ACA Marketplace plans offer affordable options with subsidies
- Short-term health insurance can provide temporary coverage
Applying during open enrollment or checking for special enrollment periods ensures access to the best available plans.