If you haven't compared health coverage options in the past year, there's a good chance you're leaving money on the table. The health coverage landscape has shifted significantly — and not everyone has kept up with what's now available to them.
Americans who compared their health plan options found a more affordable alternative — often saving hundreds of dollars per year.
The savings are real, and they're available to people across a wide range of income levels. The key is knowing where to look — and actually taking the time to check.
The "I Don't Qualify" Myth — And Why It Costs People
One of the biggest misconceptions people carry is the assumption that subsidies and reduced-cost plans are "only for the very poor." That's simply not accurate. Depending on your household size and income, you might qualify for meaningful financial assistance even with a solidly middle-class income.
A family of four earning $80,000 a year, for example, can often qualify for substantial monthly savings — sometimes hundreds of dollars off their current premium. Many people in this range are currently paying full price simply because they've never checked.
What Happens When People Skip Coverage (Or Stick With the Wrong Plan)
Going uninsured — or staying with an overpriced plan — is rarely the smart financial move it seems. A single urgent care visit averages over $150 out of pocket. An ER visit can run into the thousands. And a chronic condition that goes unmanaged because of cost doesn't get cheaper; it gets worse.
Research from UCLA found that people who skipped medical visits due to cost were significantly more likely to experience declining health — even when they technically had some form of coverage. The issue wasn't having coverage. It was having coverage they could actually use.
Affordable coverage isn't just about the monthly premium. It's about whether your plan lets you actually show up for your own healthcare.
What's Shifted — and Why Now Is a Good Time to Check
Federal subsidies have expanded significantly in recent years, opening the door to better coverage for millions of people who previously didn't think they'd qualify. Plans that once cost $300–$400 per month are now available for a fraction of that — sometimes under $50 — for people who check their options.
But here's the part most people miss: these savings don't apply automatically. You have to actively compare your options. And that's exactly what most people never get around to doing.
How CoverageMatch Works
CoverageMatch was built around one simple idea: most people deserve better coverage than they currently have, and finding it shouldn't require a degree in benefits law. Our tool walks you through your options based on your actual situation — your income, your location, your household — and shows you what you'd realistically pay.
There's no pressure, no sales pitch, and no obligation. Just a clear, side-by-side look at what's available in your area and what it would actually cost you.
See What Plans Are Available at Your Rate
Enter your zip code and answer a few quick questions. CoverageMatch will show you the plans available in your area — and what you'd actually pay each month.