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Welcome to the NerdWallet Smart Money podcast where we answer your personal finance questions and help you feel a little smarter about what you do with your money. I'm Liz Weston.

And I'm Sean Piles. To have your money questions answered on a future episode, turn to the nerds. Call or text us on the nerd hotline at 901 730 6373. That's 901 730 nerd. Nerd. or email us at podcast at nerdwollet.com.

And one last plug before we get to the episode. We want to hear from you, our listeners.

We put together a quick two-question survey. You can find the link in the episode descriptions.

Please take a few seconds to fill it out. We're always working to improve the show

for our listeners, and this is your chance to help. On with the show. On this episode, Liz and I

answer a listener's question about how to find scholarships and make higher education more affordable.

First, though, in our this week in your money segment, we're talking about why you might be

entitled to free health insurance right now.

And Liz, you recently wrote an article on just this topic. Can you give us the details of what people should know? Absolutely. It's really surprising how much change there has been with health

insurance, but those $1,400 stimulus checks really stole all the headlines. I think a lot of

people missed some of the big changes. One of the biggest

had to do with the changes in who qualifies for subsidies on the Obamacare exchanges.

So who does qualify? Before the new relief package that President Biden signed in March,

people with incomes greater than 400 percent of the poverty line typically didn't qualify

for subsidies. Now people with incomes up to 600% of the poverty level can qualify. What that

means is your single person and your income is just under $77,000, you can get a subsidy. If you

have a family of four and your income is about $157,000, again, you can get a subsidy. If you have a family of four and your income is about

$157,000, again, you can qualify for subsidies. That's a big change. A lot more people are going

...