Mark Luigi DacumosEnergy assistance is not only for emergencies. Some programs help pay a past-due balance, while others lower your monthly bill or reduce how much energy your home uses. If your utility bills are hard to manage, the right program can give you short-term relief and long-term savings.
- Bill Payment Assistance
Bill payment assistance helps when you cannot afford your current bill or you are behind on payments.
LIHEAP, or the Low Income Home Energy Assistance Program, is one of the main programs for this type of help. It can help eligible households with heating and cooling costs. In some states, it may also help with shutoff notices, reconnection fees, or emergency energy needs. The payment usually goes directly to your utility company. Rules, income limits, deadlines, and benefit amounts depend on your state. You can also ask your utility company, local nonprofits, churches, or community action agency about emergency funds.
- Monthly Utility Discounts
Some programs lower your bill every month instead of giving you one-time help. Many electric, gas, and water companies offer discounts for customers with low income. These may be called low-income discounts, hardship rates, customer assistance programs, or percentage-of-income payment plans. Once approved, the discount may appear directly on your bill. Some programs also waive deposits, reduce late fees, or offer more flexible payment options. Ask your utility company what discount programs are available in 2026 and what documents you need to apply.
- Weatherization Programs
Weatherization helps lower your energy use by improving your home. The Weatherization Assistance Program may provide free energy-saving repairs for eligible households. Services can include sealing air leaks, adding insulation, fixing heating or cooling systems, and replacing inefficient items when allowed. This type of help can be more valuable over time because it may reduce your bills month after month. Weatherization often has a waiting list, so apply early even if you do not need urgent help today.
- Phone and Internet Discounts
Energy is not the only household cost that may have assistance. The federal Lifeline program can help eligible households lower phone or internet service costs. This does not reduce your electric or gas bill, but it can free up money in your budget for other essentials.
You may qualify based on income or participation in certain programs, such as SNAP, Medicaid, SSI, Federal Public Housing Assistance, or Veterans Pension and Survivors Benefit.
- Community Solar Programs
Community solar may help some households lower electric costs without installing panels at home. With community solar, you subscribe to part of a larger solar project and may receive credits on your electric bill. This can be useful for renters or homeowners who cannot install rooftop solar. Availability depends on your state and utility area. Before signing up, compare the monthly cost, estimated bill credits, contract terms, and cancellation rules.
Which Program Should You Try First?
Start with the option that matches your situation. If you have a shutoff notice, ask about emergency assistance right away. If your bills are high every month, ask your utility company about discounts or budget billing. If your home loses heat or cool air easily, apply for weatherization. You may be able to use more than one program at the same time. For example, you could receive LIHEAP help, enroll in a utility discount, and apply for weatherization.
What to Do Next
Call your utility company and ask about 2026 low-income discounts, hardship programs, and payment plans. Then contact your local LIHEAP office or community action agency to apply for energy assistance. If you need urgent help, call 211 and ask which programs near you still have funds available.
