Recent bills passed by Congress ensure that people won't have to pay out of pocket for any COVID-19 testing, even if they're uninsured, but there's nothing that would cover treatment costs for people without insurance. "If you lost your job and you don't have any income currently, even if you were earning a lot, you currently can be eligible for the Medicaid program if you're in a state that expanded Medicaid eligibility for low-income adults," Pollitz said. Most states run their marketplaces through the federal HealthCare.gov, which allows a special personal enrollment period for people who've lost their coverage, Pollitz said.