evidence: Uninsured Or Unemployed? You Might Be Missing Out On Free Health Insurance [...] There is Medicaid, which is the state-federal public plan for low-income people. And, on HealthCare.gov and the state marketplaces there are free "bronze plans" — the lowest tier of plans — that might be available with zero-dollar premiums depending on your income. Both of those have been options for years. [...] "There are millions of people who are passing up free health insurance," says Cynthia Cox, director of the Program on the ACA at the nonprofit Kaiser Family Foundation, who authored a recent brief on the topic. "That free health insurance — most of the time — actually comes with very low deductibles, too. So a lot of times, people could have all — or the vast majority — of their health care costs paid for."