No, you won’t get a $6,400 spending allowance from a free health insurance plan

Each year, the open enrollment period for acquiring healthcare coverage through the Affordable Care Act marketplace generally begins Nov. 1 and ends Jan. 15 of the following year. The Biden-Harris administration announced that Healthcare.gov consumers can begin previewing potential plans in detail Oct. 25
Ads for healthcare plans that sound too good to be true hit the web and the airwaves before and during every open enrollment period. VERIFY reader Ruth asked if a website claiming people could get “$0 free health insurance” with a $6,400 subsidy or allowance to pay for everyday expenses was a scam. Social media posts have also asked if these same ads are real.
VERIFY looked through Facebook’s Ad Library for examples of the ad Ruth saw or similar ads. Several ads VERIFY found promoted a “$0 health plan” with a “$6,400 allowance benefit.” These ads and others included links to websites urging people to find out if they qualify for “$6,400 premium health credits” or a “flex card at absolutely no cost.” One website even asked people to share their Social Security number and other personal information to get help enrolling in a free healthcare plan.
THE QUESTION
Can you get a free health insurance plan with a $6,400 spending allowance?
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