Can You Get ACA Insurance If You Have No Income?

If you’re thinking about taking a break from work, you may be wondering if you’ll be able to get ACA health insurance without any income. The answer is yes, but there are a few things you need to know.

The Affordable Care Act (ACA) is the health insurance law that was passed in 2010. It requires most Americans to have health insurance, and it provides subsidies to help people afford coverage. However, these subsidies are based on your income.

If you don’t have any income, you won’t be eligible for subsidies. But you can still buy ACA insurance without subsidies. You’ll just have to pay the full cost of the premium.

How to Qualify for ACA Insurance Without Income

There are a few ways to qualify for ACA insurance without income. One way is to convert some of your retirement savings to a Roth IRA. Roth IRAs are not taxed when you withdraw the money, so you can use them to pay for health insurance premiums without increasing your taxable income.

Another way to qualify for ACA insurance without income is to start a small business. If you have a business, you can deduct the cost of your health insurance premiums from your business income. This will reduce your taxable income and make you eligible for subsidies.

How to Choose an ACA Insurance Plan

If you’re buying ACA insurance without subsidies, it’s important to choose a plan that you can afford. There are many different plans available, so it’s important to compare costs and benefits before you make a decision.

You can use the website to compare plans and find the one that’s right for you. You can also call a licensed insurance agent for help.


If you’re thinking about taking a break from work, don’t let the cost of health insurance stop you. There are ways to get ACA insurance without income. Just be sure to do your research and choose a plan that you can afford.

Question? or Need a Free Quote?
Contact Us

Reach out to us for free expert insurance advice and solutions. We will help you solve ACA (Obamacare) related questions and problems. Will contact you within 24 hours of receiving your message.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *