Marketplace Health Plans and Premiums

Can someone else, such as my family member, church, or another third party pay my portion of the monthly health insurance premium for me?

Published: Sep 29, 2025

Family members, your church, federal programs such as the Ryan White HIV/AIDS program, or any charity that doesn’t condition financial help on health status can pay your premium on your behalf.

However, Marketplace plans are discouraged from accepting third-party payments from hospitals and other commercial entities. Some dialysis facilities offer to pay premiums for Medicare-eligible patients with end-stage renal disease who elect Marketplace coverage instead of Medicare. Check with a Marketplace navigator or your State Health Insurance Assistance Program (SHIP) for more information.

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