Whether or not you qualify for tax credits when you have $0 income depends on the state that you live in and if you are a citizen (often free Medicaid) or have another immigration status (often a paid plan with tax credits on Healthcare.gov).
The easiest thing would be to talk to a local insurance agent or certified application assister. Both are legally not allowed to charge you for anything and both have a ton of training and can help your unique situation. As we know, health insurance is very complex so there are a lot of variables to answering your question.
Possible fixes:
1. on Healthcare.gov, check the YES box to answer more questions to see if you qualify for financial help.
2. apply for Medicaid. If you qualify, great. If not, input the denial date in the Healthcare.gov question "have your been denied Medicaid since [date]".
3. Declare your unemployment income (UI) on the Healthcare.gov application. if you are getting paid UI, that is taxable (both state and the temporary federal UI). Make sure that you don't over declare the amount. You can typically get UI for up to 26 weeks but due to the COVID pandemic it's been extended by 13 weeks--39 weeks total. HC.gov will multiply the weekly amount you declare by 52 weeks so when the total projected income is estimated in your account, (i.e. Do you think you will earn $*** this year?) say no, and input the amount you will earn from state UI x up to 39 weeks, plus federal stimulus x up to 13 weeks.
Easiest to talk to talk to a local insurance agent or certified application assister.
