Can I get help paying for this — like government discounts or free insurance?

Yes, many people can get help paying for health insurance.

The government offers discounts called subsidies to lower your monthly bill if your income is within certain limits. These savings are built into your plan price when you apply, so you can see the lower cost right away.

Some people may qualify for free or very low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). This usually depends on your income, family size, and where you live. If you have kids, it’s a good idea to check CHIP even if you think you make too much.

When you fill out an application, the system checks your information and tells you about the help you can get. You don’t have to do the math yourself. A licensed agent or navigator can also guide you for free so you understand your options before you pick a plan.

If your income changes during the year, you can update your application. That way your discount stays accurate, and you don’t pay more than you should. The goal is simple: make sure health insurance is within reach for you and your family.

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