The Marketplace figures out what plans and savings you’re eligible for based on your income, the size of your family, and where you live. Most people buying their own insurance save over $400 each month.

Don't miss out on the savings you qualify for! We recommend all Catch members apply for savings - even if you think you won't qualify.

You can get a quick estimate of what savings you're eligible for through our Plan Explorer. Once you've selected your plan, you'll be able to apply through Catch. Our Support team is here to help you every step of the way, to ensure you get all the discounts you're eligible for.

There are two main types of savings that help to lower your health insurance costs: Advanced Premium Tax Credits (APTCs), which lower your monthly premiums, and Cost Sharing Reductions (CSRs), which lower your out-of-pocket costs when you need care. For much more, check out our Guide.

The best thing you can do in your application is accurately estimate your income for the coming year. Check out our tips on that process here -- we know it can be tough for freelancers to estimate a year in advance, but you'll be able to update your income throughout the year when you can make a better guess.

When you file your taxes, the IRS will look at what you actually earned to figure out what your health insurance premiums should have been. If your income is lower than you estimated, you’ll get a refund. If your income is higher than you estimated, you’ll owe a bit more in taxes.

As a head’s up, if your estimated income looks very different from last year’s income, you may be asked to provide proof.