Low Income

Medicare Savings Programs

State-run programs that pay Medicare premiums and, in some cases, deductibles and coinsurance for low-income beneficiaries.

Type: Benefit Amount: Covers Medicare Part B premiums ($2,000+ annually) and may cover Part A premiums and … Deadline: Ongoing Location: United States

Montana Low Income Energy Assistance Program (LIEAP)

Pays part of home heating bills, delivers emergency fuel, and funds furnace repairs for eligible Montana households.

Type: Benefit Amount: $200–$2,500 per season depending on fuel type, consumption, and income Deadline: Apply October 1–April 30 for regular benefits; crisis help offered year-round Location: Montana

Nevada Energy Assistance Program (EAP)

Provides annual credits and crisis help to offset electric, gas, and propane costs for low-income Nevada households.

Type: Benefit Amount: $180–$1,800 per year depending on income, household energy burden, and utility costs Deadline: Applications accepted July 1–June 30 each program year; apply early for full benefits Location: Nevada

NYC Fair Fares Reduced-Fare Transit Program

Provides half-price subway, bus, and Access-A-Ride fares for eligible low-income New York City residents.

Type: Benefit Amount: 50% discount on NYC Transit subway and local bus fares, 50% off paratransit trips, and … Deadline: Apply anytime; annual renewal required Location: New York and New York City

Ohio Home Energy Assistance Program (HEAP)

Ohio utility-bill assistance program with HEAP, crisis support, and related payment-plan pathways for income-eligible households.

Type: Benefit Amount: Benefit amount varies by household size, income, fuel source, and utility account circumstances Deadline: May 30, 2026 Location: Ohio

Oregon Low Income Home Energy Assistance Program (LIHEAP)

Provides bill payment support, crisis assistance, and weatherization referrals for income-eligible Oregon households.

Type: Benefit Amount: $250–$1,200 per season; additional crisis deliveries or repairs available up to program limits Deadline: Applications accepted November–June or until funds are depleted; crisis aid available year-round Location: Oregon

Pay 50% to 100% of Your Child Care Costs with the CCDF Child Care Subsidy: A Practical Guide for US Families

Child care is the bill that never stops showing up. It arrives whether your car needs tires, your rent just jumped, or you’re trying—heroically—to finish a certificate program at night.

Amount: Varies; typically covers 50%–100% of approved child care costs with sliding co-pays Deadline: Ongoing Location: United States

Premium tax credit - Glossary | HealthCare.gov

Refundable tax credit that lowers the cost of ACA Marketplace health insurance premiums for eligible households.

Amount: Value varies; caps benchmark premium between 0% and 8.5% of household income Deadline: annual Open Enrollment (Nov–Jan) or qualifying life event Location: United States

San Francisco Water Power Sewer

Provides water, wastewater, and Hetch Hetchy Power bill discounts plus emergency grants for low-income San Francisco residents.

Amount: 25% off water charges, 20% off wastewater, 30% off Hetch Hetchy Power base charges, plus … Deadline: Apply anytime; recertify every 2 years Location: California and San Francisco

Seattle Utility Discount Program: 60% Off Electric and 50% Off Water/Sewer Bills for Low-Income Residents

Offers electric, water, sewer, and garbage bill discounts to low-income Seattle residents served by Seattle City Light and Seattle Public Utilities. Saves households $1,200-$1,500 annually.

Amount: 60% off electric bills; 50% off water, sewer, and garbage charges Deadline: Apply anytime; recertify every 18 months Location: Seattle and Washington