How to Qualify for Free $0 Health Insurance in 2025

🏥 How to Qualify for $0 Health Insurance in 2025

By R&C Insurance Group – Serving NC, SC, FL | Bilingual Support (English & Español)

✅ Wait, $0 Insurance? Is That Even Real?

Yes, it’s possible—free health insurance and legal! Many families, individuals, and even small business owners qualify for free or low-cost plans thanks to government subsidies and special enrollment programs. The key is understanding how to qualify.

📌 1. Understand the Income Limits

In 2025, thanks to expanded ACA subsidies, many people earning under 250% of the Federal Poverty Level (FPL) may qualify for $0 monthly premiums.

Here’s a quick reference for 2025*:

Household Size Annual Income Limit (Approx.)

1 person Up to $36,450

2 people Up to $49,300

3 people Up to $62,150

4 people Up to $75,000

*Final numbers vary slightly by state.

📌 2. Use a Special Enrollment Period (SEP)

You don’t have to wait until Open Enrollment if you’ve had a recent life event, such as:

✅ Lost employer coverage

✅ Had a baby or adopted

✅ Moved to a new ZIP code

✅ Turned 26 and lost parental coverage

✅ Lost Medicaid or CHIP coverage

🎯 DM “OPTIONS” on Instagram to check if you qualify instantly.

📌 3. Apply Through a Trusted, Licensed Agent (That’s Us!)

At R&C Insurance Group, we’re licensed in North Carolina, South Carolina, and Florida, offering bilingual support every step of the way. We’ll help:

✅ Compare $0 options

✅ See if you qualify for financial help

✅ Review your current coverage

✅ Enroll in minutes

💬 Real Client Story:

“We were paying over $1,400/month. After working with Sofía at R&C, we now pay $701/month for a family of 5—with better coverage!”

– Daniela G., Charlotte, NC

📲 Ready to Check Your Options?

Don’t wait! Every day without coverage is a risk. Let us help you protect your family affordably.

👉 Get a Free Quote

👉 Book a Call

👉 Or DM “$0 PLAN” on Instagram @rcinsurancegrp

🇪🇸 En Español:

¿Hablas español? ¡Te ayudamos!

Todo este blog también está disponible en español. Mándame un mensaje con la palabra “OPCIONES” y te ayudaré a revisar tus planes de salud.