1. Medicaid: Best for Low-Income Individuals and Families

If your income falls below a certain level, Medicaid can provide full coverage at little to no cost. Each state runs its own program, but it typically includes doctor visits, hospital stays, prescription drugs, and preventive care. It’s one of the most comprehensive and accessible forms of health insurance out there—yet many people don’t realize they qualify. Check your state’s site to see if you’re eligible.

2. Marketplace Plans Through Healthcare.gov

If you don’t get insurance through work, the ACA marketplace is your next best option.