Is there a plan that covers just the basics until I get a better job or more money?

Yes. Some plans are designed to keep monthly costs low while still protecting you from large bills.

These include Catastrophic plans (available to certain ages and situations) and many Bronze plans. They usually have lower premiums but higher costs when you use care.

Basic plans can be a good fit if you’re healthy, don’t go to the doctor often, and mainly want protection for emergencies. You’ll still get coverage for essential services, but you may pay more out of pocket when you need them.

If your budget is tight right now, a basic plan can be a smart bridge until your income grows. Just check the plan’s network and drug list so the care you might need is included.

As your situation improves, you can switch to a plan with more benefits or lower out-of-pocket costs during Open Enrollment or after a qualifying life event.

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