is not a government website and is privately owned.

Qualifying For Lower Costs

The BidenCare healthcare program seeks to build upon the Obamacare health plan, allowing enhanced coverage to uninsured Americans and those with healthcare insurance. Naturally, this will enable a significant chunk of the US population to qualify for lower costs.

Biden Care is focused on enhancing the progress made under Obamacare and the Affordable Care Act, with a healthcare plan that will make qualifying for lower health insurance costs achievable for 97% of Americans.

This article will walk through the details of qualifying for lower health insurance costs under the Biden Plan.

Qualifying for Lower Health Insurance Costs

If your insurance company charges you exorbitantly high rates, Biden Care presents you with a better, more affordable choice. Medicare is an option available to all those who do not have insurance coverage, invest in insurance from their own pocket, or seek coverage from their employers.

Medicare is a public option that aims to reduce healthcare costs for patients by negotiating reduced prices with healthcare providers and hospitals. It will also increase the efficacy and quality of patient care and offer primary care coverage without requiring any co-payments. It offers immense relief to small businesses that are presently unable to afford insurance coverage for their employees.

Increasing the Value of Tax Credits for the Working Class

BidenCare intends to increase the value of tax credits to offer the American working-class lower premiums and extended coverages. Families that fall between 100-400% of the US poverty level will receive a tax credit, which will allow them to qualify for lower costs on the individual health insurance marketplace.

The dollar amount of financial coverage will be calculated to ensure that the silver plan costs a certain percentage to each family. Exact figures have not been announced as yet, but silver plans are aimed at being highly cost-effective.

Families earning more than 400%, which is around $50,000 for a single person and $100,000 for a family of four, will not be qualifying for lower health insurance costs under this plan, but they will have access to other coverage.

Middle-Class Families

BidenCare will help middle-class families by eliminating the 400% income cap on tax credit eligibility and reducing the limit of coverage cost from 9.86% of income to 8.5%. In simpler words, under this plan, no family will have to spend more than 8.5% of their income on buying healthcare insurance from the individual marketplace.

President Joe Biden also aims to increase the size of tax credits, which will be calculated on the basis of the Gold plan. The plan offers generous coverage, empowering families with access to more generous health coverage with lower deductibles and lesser costs.

Low-Income Americans

Biden Care envisions expanded coverage for low-income Americans, ensuring that the estimated 4.9 million Americans that fall under the low-income umbrella have accessed to premium-free insurance coverage as a public option. This will make them eligible to qualify for lower costs under the banner of Medicaid.

The US states that have already embraced and expanded the Medicaid program will have the choice to expand the population and provide a premium-free public option. Biden Care will ensure that people earning below 138% of the US poverty level enjoy the coverage and qualify for lower costs. These people will be automatically enrolled for the program through their interactions with public schools and programs designed for low-income populations, such as SNAP, amongst other federal and state institutions.

Medicare: The Public Option

With Medicare, Biden presents a public option that allows all Americans to qualify for lower costs and enjoy a more affordable option for coverage. All Americans who find their insurance provider expensive can access this public coverage option.

Middle-class families will enjoy a premium tax credit to assist them in supplementing their income to allow them to pay for health coverage. For instance, a family of four with an annual income of $110,000 will now qualify for lower costs because their premium will be capped at 8.5% of their annual income.

In simpler words, they will make monthly savings of $750 on their insurance payments under the Biden Plan. This plan envisions reducing premiums by half. Suppose a family obtains insurance coverage from their employer. In that case, they can choose between enjoying a better deal with the 8.5% premium cap, allowing them to switch to a better plan and qualify for lower costs.

Under this plan, premium tax credits will be calculated to offer families better access to affordable coverage and qualify for lower costs and deductibles. This will help families reduce their overall yearly spending on healthcare.

No More "Surprise Billing"

A monumental aspect of the Biden Plan is to put an end to "surprise billing." This will allow the American healthcare and insurance consumer to considerably reduce their healthcare spending as the President intends to bar healthcare providers from charging out-of-network rates.

How Does it Work?

Finding the right health insurance has never been easier! In three simple steps, find the perfect plan for your healthcare needs:

Step 1:
Enter your ZIP code.
Step 2:
Tell us more about yourself. What are your coverage needs and affordability requirements? Do you suffer from any chronic medical conditions or take prescription drugs? Do you seek greater coverage or lower premiums? This information will allow us to help you find the right providers.
Step 3:

Compare multiple plans from trusted carriers to find the program that best suits your needs. Review eligibility requirements, pricing, coverage accessibility, and more all from a single, easy-to-use interface.

Choose Your State To Get Plan Options
To see your personalized list of health plan options now, enter your zip code.


Speak to a Health Care Agent!
(844) 261-7322

Our lowest price guarantee: You can’t find lower rates anywhere else.

Still looking for rates?, a licensed health insurance broker, can help you get a competitive quote.
Get Started
Want to see other companies' rates? Check out these insurers that serve your area:

Speak to a Health Care Agent
(844) 261-7322
Mon-Fri: 8am-10pm EST
Sat-Sun: 9am-5pm EST TTY users 711
Hours: 8am - 8pm
7 days a week

QuoteLab, LLC
700 S. Flower St., Suite 640,
Los Angeles, CA 90017 is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs. is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear. is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at

This site uses cookies and tech to collect data needed for our services to work including to process your requests, personalize your experience, and measure the effectiveness of content we show you, among other business purposes (Learn More). We share this data with the business partners we connect you with, who may combine it with data you provide to them or they collect from you (Learn More). To learn more about cookies and how to disable them, read our Privacy Policy.