ACA Subsidies for Young Adults Under 30

Think you're too young or healthy to qualify for ACA savings? Think again. If you're under 30, you may have more options—and more financial help—than you realize. Whether you're a recent grad, between jobs, or freelancing, the ACA Marketplace can offer affordable health coverage and subsidies to lower your costs.

Let's break down how age affects ACA premiums, what plans young adults can access, and how to make the most of your benefits in 2026.

Why Age Matters in the ACA

Under ACA rules, premiums increase with age, but that also means younger people typically pay less before subsidies kick in. However, subsidies are still available and can dramatically lower your monthly premium—even to $0 in some cases.

Here's how it works:

• ACA subsidies are based on income and household size, not health history or age
• Younger adults can use subsidies to reduce premiums for Bronze, Silver, or even Gold plans
• You may also qualify for cost-sharing reductions if you choose a Silver plan and your income is between 100% and 250% of the Federal Poverty Level (FPL)

Check out our guide on how ACA subsidies are calculated to understand the formula.

Catastrophic Plans: The Under-30 Option

If you're under 30 (or have a hardship exemption), you can also apply for a Catastrophic plan:

• Lower monthly premiums
• High deductibles (usually over $9,000)
• Covers essential health benefits after deductible

These plans do not qualify for subsidies, so they're best if you:

• Don't qualify for income-based savings
• Want emergency coverage for worst-case scenarios
• Prefer to pay out of pocket for routine care

How Much Could You Save?

When to Apply for ACA Coverage

Open Enrollment runs from November 1, 2025 to January 15, 2026 in most states.

But you can also apply during a Special Enrollment Period if you:

• Turn 26 and lose parental coverage
• Move to a new area
• Lose job-based insurance
• Experience a life event like marriage or birth

Learn more about ACA Open Enrollment 2026 and important deadlines.

Final Thoughts

If you're under 30, don't skip coverage—or overpay—because you think you won't qualify. The ACA was designed to make healthcare accessible and affordable, regardless of your age.

Start with the calculator, compare all plan types (including catastrophic), and make an informed decision that fits both your budget and lifestyle.