I need health insurance but I have no income

If you are currently unemployed and have no source of income,  you may be able to get an affordable health insurance plan. Using the Marketplace, with the savings you have based on your income and the size of your family. You may also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

You may be discouraged about getting health insurance because you are unemployed. It is important for you to note that a lack of income doesn’t need necessarily mean you won’t be able to afford insurance. There are many cheaper alternatives to the more expensive options that your previous salary covered.

Your family size and income determine what health coverage you are eligible for and not your status of employment. You should determine the health coverage you qualify for and how much assistance you’ll be paying for the coverage. If you recently lost your job and your work-based insurance, your options would depend largely on your household income. When applying for Marketplace coverage you would need to estimate your income for the present calendar year.


Medicaid, CHIP, and insurance plans through the Marketplace

When you fill out an insurance application on the marketplace, you will find out if you qualify for any of these types of health insurance coverages. These insurance plans are the best for you as you do not have any current source of income. Although they are more affordable, they cover the basic insurance needs that you would have.

A Marketplace insurance plan

You may qualify for premium tax credits and savings on deductibles, co-payments, and other out-of-pocket costs based on your household size and income. Some people with low incomes may end up paying very small premiums. Marketplace insurance is best is you have no source of income at all. It does not have broad coverage most times so you might not have the broadest of coverages.


Medicaid provides insurance coverage to millions of Americans with limited incomes or disabilities. Many states have expanded Medicaid to cover all people below certain income levels. Medicaid would be especially useful to you if you have any disabilities. It is also a good fit if you want a plan that has broad coverage.

Children’s Health Insurance Program (CHIP)

CHIP provides health insurance coverage for children, and in some states pregnant women. In families with incomes that are too high for Medicaid but too low to afford private insurance.

After you are done with your Marketplace application, you’ll get an eligibility determination that tells you what kind of coverage you and others in your household qualify for.


If you do not have a job or source of income, you do not need to be worried about getting insured. There are options available and you should pick the one best suited for your situation. You should remember that the size of your family and your savings determine the kind of policy you can afford without your source of income.


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