If you have no income but need health insurance, you still have options. Government programs, nonprofit organizations, and special enrollment periods can help you get coverage—often at low or no cost.
1. Medicaid (Free or Low-Cost Insurance)
Medicaid provides free or very low-cost health coverage to low-income individuals, including those with no income.
Who Qualifies?
Adults with very low or no income (varies by state)
Pregnant women
Children (CHIP program)
Disabled individuals
Seniors in need of long-term care
2. ACA Marketplace (Obamacare) with $0 Premium Plans
Even with no income, you may qualify for a $0 premium plan under the Affordable Care Act (ACA).
How It Works
If your income is below 100% of the Federal Poverty Level (FPL), you may get free or nearly free Silver-tier plans.
If your state did not expand Medicaid, you might still get subsidies.
Special Enrollment Tip: If you’ve had a life change (job loss, homelessness, etc.), you may qualify for a Special Enrollment Period outside the usual Nov–Jan window.