National Politics

Number of Individuals Eligible for $0 Insurance Increases Under american Rescue Plan

U.S. Department of Health and Human Services (HHS) Secretary Xavier Becerra announced last week that the American Rescue Plan will bring lower insurance rates for some Americans – with many having access to coverage for $0.

The Department also announced an additional $50 million in advertising to bolster the Special Enrollment Period outreach campaign. The campaign will run through August 15, 2021.

“We’re delivering lower health care costs to more Americans because everyone deserves access to quality, affordable health care. Today help is here and millions of Americans can start saving money on their health insurance premiums thanks to the American Rescue Plan,” said HHS Secretary Xavier Becerra. “The Biden Administration is committed to bringing down health care costs for families. Consumers can save money by visiting and choosing a plan that works for them and their budget. HHS will be reaching out to encourage Americans to use the Special Enrollment Period to sign up for quality, affordable coverage through”

Premium tax credit calculations for the Marketplaces on are now adjusted so that most consumers qualify for more substantial advance payments of premium tax credits. Many Americans on the Marketplaces will see their premiums decrease, on average, by $50 per person per month and $85 per policy per month. An average of four out of five consumers currently enrolled in a plan through will be able to find a plan for $10 or less per month with the newly expanded financial assistance under the American Rescue Plan. Additionally, after advance payments of the premium tax credits, an average of three out of five uninsured adults eligible for coverage on may be able to access a zero-premium plan and nearly three out of four may find a plan for $50 or less per month on

The Biden Administration says current enrollees should review their application, make any changes needed to their current information, submit their application and select a plan, or reselect their current plan, to receive the increased advance payments of premium tax credits for 2021 Marketplace coverage. Consumers who take action in April and confirm updated savings on the plan of their choice will start receiving the savings and lower costs starting with their May 1 premiums.

The Centers for Medicare & Medicaid Services (CMS) launched an educational campaign that focuses on raising awareness among the uninsured about the new savings and the availability of assistance to pay for premiums for those who qualify during the Special Enrollment Period. CMS is also communicating with current enrollees to let them know they can also use this opportunity to update their enrollment information and access the expanded financial assistance. The outreach campaign includes broadcast and digital advertising and educates enrollees with email and text messages. 

To see more on the American Rescue Plan, health care costs, and the expansion of the Affordable Care Act, click here.

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