 [ Symptoms ] how can i afford to buy health insurance if i am currently uninsured [ Disease ] one of the law is major goals is to make health insurance more affordable if you do not get insurance through your job you will be eligible to buy coverage through state based insurance marketplaces scheduled to be up and running for open enrollment by fall 2013 for insurance coverage that will start in january 2014 to make insurance affordable for millions of americans tax credits will be available for people with incomes that are between 133 and 400 of the poverty level up to 92 200 annually for a family of four in 2012 there will also be caps placed on how much people will be required to spend in total out of pocket costs including deductibles co pays and co insurance these amounts will also be determined based on a person is income the bottom line is there is help to pay for out of pocket costs and help to pay for premiums  says mila kofman jd a research professor at georgetown university is health policy institute in addition the law expands the number of people who qualify for medicaid the state and federal health insurance program for people with low incomes that means millions of people who do not qualify for medicaid today will in 2014 an individual that makes less than 14 856 or a family of four that earns less than 30 657 will be eligible