GoodRx: Leveraging Tech for Prescription Coupon Savings

GoodRx Holdings is a healthcare technology company that uses patented screening technology to find prescription coupons for uninsured or underinsured consumers. It works with pharmacy benefit managers and pharmacies to source coupons, benefiting from the One Big Beautiful Bill Act. GoodRx has a strong presence in the US prescription drug market, with a large user base and a growing number of prescriptions processed.

Health insurance can be a significant financial burden, but there are several avenues to explore for affordable or free coverage. This article explores seven ways to access low-cost or free health insurance, drawing from recent trends and government programs.

Affordable Care Act Marketplace
The Affordable Care Act (ACA) marketplace offers a range of health insurance plans with premium subsidies. These subsidies reduce the monthly cost of health insurance based on income and household size. In 2025, about 4 out of 5 ACA enrollees found plans for $10 or less per month after premium subsidies [1].

Medicaid
Medicaid provides free or low-cost health insurance coverage for people with low incomes. As of December 2024, Medicaid and the Children's Health Insurance Program (CHIP) covered nearly 79 million people nationwide. Medicaid provides health coverage to pregnant people, parents, older adults, children, and individuals with disabilities [1].

Children’s Health Insurance Program (CHIP)
CHIP covers children whose families earn too much to qualify for traditional Medicaid but cannot afford a private health insurance plan. In 2024, more than 7 million people were enrolled in CHIP [1].

High-Deductible Health Plans (HDHPs)
HDHPs offer lower monthly premiums with a high deductible. Before meeting the deductible, these plans cover preventive care services. In 2025, HDHPs have a minimum deductible of $1,650 for an individual and $3,300 for a family, with maximum out-of-pocket costs of $8,300 and $16,600, respectively [1].

Medicare with Extra Help
Medicare enrollees with limited income may qualify for a Part D low-income subsidy known as Extra Help. This subsidy helps pay for Medicare Part D costs, including no monthly premiums and low out-of-pocket costs for prescription medications [1].

Medicare Special Needs Plans (SNPs)
Medicare enrollees can choose between original Medicare and private alternatives, known as Medicare Advantage. SNPs provide additional benefits and care coordination for people with specific conditions or who qualify for both Medicare and Medicaid [1].

A Parent’s Plan
Individuals under 26 can get coverage through an insured parent's health plan, even if they are married, a parent, or not claimed as a dependent. This coverage applies to parents with job-based insurance or an ACA plan [1].

Conclusion
Exploring these options can significantly reduce the financial burden of health insurance. Investors and financial professionals should stay informed about these programs and their evolving benefits to make well-informed decisions.

References
[1] https://www.wpxi.com/news/7-ways-get-free-or-low-cost-health-insurance/NHVNNSIEIBP7XLTADL666QOSQY/