Monthly Budget Under $300? Here's What You Can Actually Get

For under $300/month, health sharing plans cover emergency room visits, surgeries, and some chronic care, while ACA Bronze plans offer similar coverage with regulated protections starting at $220–$280/month depending on age and location.

As of Feb 2026, the under-$300 budget is achievable, but availability depends on your zip code, age (under 40 is cheaper), and whether you qualify for subsidies.