Is the $6,400 Health Subsidy Real? Here’s How It Works


Have you come across claims of this health subsidy online or through social media and wondered, is the $6,400 health subsidy real? Unfortunately, these offers are not what they seem. The advertised $6,400 health subsidy often presents itself as a government grant or free money to help individuals cover personal expenses for things like gas, groceries, and rent. They are carefully crafted scams designed to exploit vulnerabilities.

The promise of free money can be tempting, especially with rising healthcare costs and the complexities of insurance plans. But before you get swept away by the allure of $6,400, it's crucial to separate fact from fiction. This article delves into the truth behind the $6,400 health subsidy, providing you with the information you need to make informed decisions about your health coverage.

Where Does This Claim Come From?

These enticing offers often appear on social media platforms, through targeted ads, or even via unsolicited emails or phone calls. While they might seem legitimate, it's essential to proceed with extreme caution. Remember, government healthcare assistance programs typically have official websites and designated channels for communication, not social media or unexpected contacts.

Below are some examples:


Red Flags to watch out for:

Several red flags should raise your awareness when encountering claims of a $6,400 health subsidy:

  • Exaggerated promises: Guaranteeing specific amounts of money or universal eligibility are strong indicators of a scam.
  • Sense of urgency: Pressure to act quickly or submit personal information without proper verification is a red flag.
  • Unrealistic scenarios: If the offer seems too good to be true, it probably is.
  • Unsolicited contact: Legitimate government programs don't reach out through unexpected calls, emails, or messages.
  • Requests for personal information: Be wary of sharing sensitive details like Social Security numbers without verifying the agent/broker is reputable.
  • Requests for financial payment:  By law, insurance brokers licensed to sell plans on the Marketplace cannot charge consumers directly for enrollment assistance. They receive commissions from the insurance companies instead. 

Remember, government healthcare assistance programs have established procedures and authorized channels for applications and communication. If you're unsure about the legitimacy of an offer, always verify information through official government websites like .gov domains.

Disclaimer: This article is for informational purposes only and should not be construed as professional financial or legal advice.

If you're looking for personalized guidance on navigating health insurance options and finding the right coverage for your needs, contact NavaQuote, your independent insurance brokerage in Augusta, Georgia. We offer free quotes and work tirelessly to find you the best coverage at competitive rates.


The Truth Behind the $6,400 Health Subsidy

The unfortunate truth is that the $6,400 health subsidy is not a real government program. It's a carefully crafted scam designed to prey on individuals seeking financial assistance with healthcare. These schemes often exploit vulnerabilities and leverage the allure of free money to extract personal information or financial gain.

Why It's a Scam:

Several factors expose the fraudulent nature of this offer:

  • No government program: The U.S. government does not offer universal healthcare grants or subsidies of $6,400. Legitimate assistance programs have clear eligibility requirements and application processes.
  • Exaggerated promises: Guaranteeing specific amounts of money without considering individual circumstances is a red flag.
  • Unsolicited outreach: Government programs typically don't reach out through unexpected calls, emails, or social media messages.
  • Pressure tactics: Scammers often create a sense of urgency to pressure individuals into making quick decisions without proper verification.

The Dangers of Engaging:

Beyond the deceptive nature of the ads, a hidden danger lurks: insurance fraud. With basic information, these bad acting insurance agents/brokers initiate health insurance applications without their victims' knowledge or consent. Interacting with these scams can have serious consequences:

  • Delayed care: Access to specialists and necessary treatments is interrupted.
  • Involuntary plan changes: Individuals lose access to their chosen plans and established healthcare networks.
  • Medication disruptions: Critical medications become inaccessible due to insurance plan incompatibility.

The Facts

  • The promised “subsidy” is a misrepresentation of the Premium Tax Credit, a government subsidy offering low-to-moderate income Americans access to affordable health insurance. 
  • This tax credit lowers their monthly insurance payment, often to $0, when they enroll in a plan through the Health Insurance Marketplace. 
  • The tax credit is based on income estimates between 100% and 400% of the Federal poverty level.
  • The $6,400 health subsidy ads deliberately mislead individuals and state monthly cash payments instead of health insurance coverage.


  • Verify information: Always double-check the legitimacy of any healthcare assistance offer through official government websites ending in .gov or trusted resources like
  • Beware of unsolicited offers: Legitimate programs typically have established application procedures and don't reach out through unexpected contacts.
  • Protect your information: Never share sensitive details like Social Security numbers or financial information without verifying the recipient's legitimacy.

Navigating the complexities of healthcare can be challenging, but remember, legitimate options exist to help you find affordable coverage. We'll explore these options next and empower you to make informed decisions about your health insurance.

If you're unsure about your eligibility for government healthcare programs or need guidance navigating insurance options, consider seeking help from a qualified professional. At NavaQuote, our experienced team is dedicated to providing personalized consultations and unbiased advice to help you find the right coverage at competitive rates. Contact us today and experience the difference personalized insurance can make!


Legitimate Options for Healthcare Assistance

Now that we've debunked the $6,400 health subsidy myth, it's time to explore legitimate avenues for obtaining healthcare assistance. Remember, you're not alone in navigating the complexities of health insurance. Several government-backed programs and trusted resources can help you find affordable coverage that meets your needs.

Government Programs:

  • The Affordable Care Act (ACA) Subsidies: This program offers financial assistance to individuals and families based on income and household size. Eligibility is determined through the federal marketplace. The application process is relatively straightforward, and you can potentially qualify for subsidies that lower your monthly premiums and out-of-pocket costs.
    • Open enrollment happens annually from November 1 to Jauary 16. 
    • You may qualify for a Special Enrollment Period (SEP) so be sure to check before applying. You qualify for a SEP if you have had any of the following life events in the last 60 days:
      • Lost health coverage
      • Recently moved
      • Got married
      • Had a baby or adopted child
      • Released from incarceration (detention or jail)
      • Your household income is below a certain amount.
    • Important to note: 4 out of 5 NavaQuote customers find plans for $10 or less!
  • Medicaid: This joint federal-state program provides health coverage to low-income individuals and families who meet specific eligibility criteria. Each state administers its own Medicaid program, so eligibility requirements and covered services may vary. You can find your state's Medicaid agency website through for more information.
  • Medicare: This program provides health insurance for individuals aged 65 and older, as well as those with certain disabilities. There are different parts to Medicare, each with its own coverage and enrollment process. Visit to learn more and explore your options.

Additional Support Resources:

  • State-based programs: Many states offer additional health insurance assistance programs beyond Medicaid. These programs might cater to specific populations or income levels. Utilize resources like your state's health department website to find relevant programs in your area.
  • Non-profit organizations: Several reputable non-profit organizations offer guidance and support with healthcare access and navigating insurance options. Look for organizations with a good reputation and established track record.


  • Prioritize official government websites and trusted organizations when seeking assistance.
  • Beware of unsolicited offers and individuals claiming to represent specific programs without proper identification.
  • Don't hesitate to seek help from qualified professionals if you need guidance navigating the healthcare landscape.


Remember, you're not alone in navigating the world of healthcare. By staying informed, utilizing legitimate resources, and prioritizing your safety and privacy, you can make informed decisions about your health coverage and secure the assistance you deserve.

At NavaQuote, we've witnessed numerous clients who have unknowingly become victims of such schemes. If you suspect you may be a target of insurance fraud, don't hesitate to reach out to us today. Our team of reputable brokers, licensed in your state, is here to provide guidance and support.

As your independent insurance brokerage, we're passionate about helping individuals and families explore all available options, including government programs, and find the coverage that best suits their unique needs and budget. Contact us today for a free quote and consultation and experience the personalized approach that sets us apart. Together, we can ensure you have the peace of mind and coverage you need to focus on what matters most – your health and well-being.