If you were denied Medicaid and do not qualify for Marketplace subsidies, you still have several ways to get covered or lower costs.
Coverage options
Buy a Marketplace plan at full price
Consider off-Marketplace plans sold directly by insurance companies (make sure they are ACA-compliant)
Look at high-deductible health plans paired with a Health Savings Account (HSA)
Check eligibility for a catastrophic plan (if under 30 or with a hardship/affordability exemption)
Join an employer plan if you or a family member has access
Use COBRA or state continuation if you recently lost job-based insurance (compare with Marketplace prices)
Other resources
Some states offer additional programs or a Basic Health Program
Pregnant people and children may still qualify for CHIP or Medicaid even if adults in the household do not
Hospitals and community health centers may provide financial assistance or “charity care”
Federally Qualified Health Centers offer no-cost or low-cost care based on income
Prescription savings programs and generic drug options can reduce costs
Short-term or limited-benefit plans exist but may exclude pre-existing conditions and essential benefits — review carefully before enrolling
Enrollment timing
Marketplace Open Enrollment (November 1, 2025 - January 15, 2026) is the main time to sign up
Qualifying Life Events may open a Special Enrollment Period
Medicaid and CHIP applications are accepted year-round
Need help?
Recheck your application to confirm household size and income were reported correctly
Compare Marketplace and off-Marketplace plans side by side
Find a health center in your area that offers no-cost or low-cost options
If you have any questions about your options, reach out to us at 855-772-2663