$0 Premium Plans Are Back

If you’ve ever thought quality health insurance was out of reach, 2025 is the year that could change everything. Thanks to extended ACA subsidies and new eligibility guidelines, $0 premium health insurance plans are once again available through the Marketplace — and millions of Americans qualify without even realizing it.

At Omnicore Health, we specialize in helping individuals and families find these affordable (and often free) plans. Our licensed agents walk you through the process, explain your options, and help you avoid the confusion that often comes with ACA enrollment. Want to see if you qualify for a $0 premium? Call us today at (754) 203-3665 — it’s quick, free, and could save you thousands.

How $0 Premium Plans Are Possible in 2025

These zero-cost plans are made possible by premium tax credits, also known as subsidies, which lower the monthly cost of ACA health insurance based on your income, household size, and zip code.

In 2025, thanks to the Inflation Reduction Act extension, these subsidies are larger and more generous than ever. Here’s what’s new:

• Expanded income limits – Households earning up to 400% of the federal poverty level (FPL) may still qualify for subsidies.

• No premium floor – Even moderate-income earners can qualify for $0 premiums depending on plan type and local provider options.

• Auto-renewal optimization – If you’re currently enrolled, the system can now shift you into a more affordable plan without you lifting a finger (though we still recommend reviewing your options).

Translation? If you’ve looked into ACA plans in the past and didn’t qualify for much help — it’s time to check again. The numbers have changed, and so have your options.

Who Typically Qualifies for $0 Premium Health Insurance?

At Omnicore Health, we help people from all walks of life qualify for $0 or low-cost ACA plans. Some of the most common qualifying groups include:

• Individuals or families with low-to-moderate income

• People who are unemployed or recently lost coverage

• Self-employed professionals or gig workers

• Young adults aging off a parent’s plan

• Part-time workers with no employer-sponsored insurance

You don’t need to guess. Let us help you do the math and see what’s available in your zip code. Call (754) 203-3665 now and get a custom eligibility check in just minutes.

What’s Covered in a $0 Premium Plan?

Even though these plans may cost nothing per month, they still offer comprehensive benefits required under ACA law, including:

• Doctor visits and preventive care

• Prescription medications

• Mental health and addiction services

• Maternity and pediatric care

• Emergency and hospital coverage

There are no “junk plans” here — $0 premium ACA plans meet all federal standards for essential health coverage. In fact, many clients are surprised by the quality of the plans they qualify for.

Avoid the Common Mistakes (And Save More)

Many people either miss enrollment windows or overpay because they don’t understand how subsidies work. That’s where our team at Omnicore Health comes in. We simplify the process and help you:

• Choose the right plan based on your needs and income

• Estimate your subsidy correctly

• Avoid penalties or gaps in coverage

• Take advantage of Special Enrollment Periods (SEPs) if you’re eligible

Enrollment mistakes can cost hundreds per month — or even worse, leave you uninsured. We make sure that doesn’t happen. Call us now at (754) 203-3665  to get started risk-free.

Why Choose Omnicore Health?

With so many health insurance websites and pop-up agencies out there, why trust Omnicore?

• Real, licensed agents — not bots or call centers

• Free consultations and no-obligation quotes

• Personalized recommendations based on your situation

• Local and national plan options with top carriers

We’ve helped thousands of people just like you secure affordable health insurance — and many of them paid nothing in monthly premiums. Let us help you next.

📞 Ready to See If You Qualify? Call Omnicore Health at (754) 203-3665

There’s no pressure — just answers, support, and savings.