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Fortunately for 6.4 million Americans without insurance, their monthly health insurance payments will be less than $100 a month due to government subsidies, USA Today reports.

The launch of the Obamacare exchanges, which is the online marketplace where Americans can purchase health insurance, is less than two weeks away. While Oct. 1 is closing in on us and there is still some confusion, constant buzz of low-cost healthcare packages might be chipping away at the anxieties of many Americans. The new health insurance plans, as Obama once said, are cheaper than your monthly cell phone bill, a fact confirmed by the Department of Health and Human Services (HHS).

“The health care law is making health insurance more affordable,” said HHS Secretary Kathleen Sebelius. “With more than half of all uninsured Americans able to get coverage at $100 or less, the health care law is delivering the quality, affordable coverage people are looking for.”

The inexpensive healthcare benefits, however, would mostly be applicable to buyers who “make less than 400% of the poverty level, or $94,200 for a family of four” and purchase the “Silver Plan”—the second-cheapest health package under Obamacare, USA Today adds.

Not all the federal and state rates have been posted yet. However, the Affordable Care Act notes what percentage of one’s income an American will pay for health insurance, which is how the HHS was able to determine their statistics for the report. “The Affordable Care Act states that someone making 150% of the federal poverty level, or $17,235 a year, would pay 4% of their income — or $57 — for the second-lowest-cost plan. So, that person’s subsidy would be the difference between the $57 and the cost of the silver plan in that state,” writes USAT.

“Consequently, it is not necessary to know the actual second-lowest-cost silver premium to determine how many people will pay $100 or less per person per month for a silver plan,” the report adds.

All Americans without job-based health insurance, Medicaid, or Medicare will be required to purchase health benefits off the exchanges by Jan. 1, 2014. By April 1st, if you still refuse to buy health insurance, you will be slapped with a not-so-nice penalty that increases every year you are uninsured, according to Business Insider.

If you want to do a little research before the marketplace is made available to everyone in October, check out Healthcare.gov for more information.

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