We offer free in-person assistance to help the community enroll in affordable health coverage through Healthcare.gov. The Health Insurance Marketplace helps uninsured people enroll in health coverage. Fill out a Marketplace application and we’ll tell you if you qualify for: Private health insurance with savings based on your income. Plans cover essential health benefits, pre-existing conditions, and preventive care. Most people who apply through the Marketplace qualify for premium tax credits and savings on out-of-pocket costs based on household size and income. Medicaid and the Children’s Health Insurance Program (CHIP). These programs provide free or low-cost coverage to millions of families with limited income. Many states are expanding Medicaid to cover more people. Find out what Medicaid expansion means for you. Fees, exemptions, and qualifying coverage Most people must have health coverage or pay a fee. If you don’t have coverage in 2015, you’ll pay a penalty of either 2% of your income, or $325 per adult ($162.50 per child) — whichever is higher. You’re considered covered under the health care law if you have any job-based plan, any plan you bought yourself, Medicare, Medicaid, CHIP, and many other kinds of coverage. See a full list of plans and programs that meet the health law’s coverage requirement. Some people qualify for an exemption from the fee based on income or other situations.