Subsidies Can Significantly Reduce
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Who We Are:

We're an independent, privately-operated provider of consumer healthcare information. From GovernmentHealthInsurance.com, you can shop around for healthcare marketplace plans (i.e., the same plans available on HealthCare.gov), and other state-based exchanges. In addition, we may display plans that are sold by insurance carriers that meet federal standards to be a qualified health plan (as defined by the ACA), but are not sold at HealthCare.gov or your state exchange. We do not actually sell health plans ourselves, but work with licensed entities.

What if I Need a Subsidy?

Our website helps you calculate if you are eligible for a subsidy. We provide only an estimate. You can apply for and buy a plan online at GovernmentHealthInsurance.com (or a state exchange website), through a web-based entity as defined by the ACA, or from licensed insurance agents. We partner with both web-based entities and licensed insurance agents to enroll consumers. You officially calculate and apply for a subsidy at the time of purchase. If you are eligible for a subsidy, you can apply for qualified health plan (as defined by the ACA) through insurance carriers and certified, licensed insurance agents that partner with us.

Here are important facts straight from HealthCare.gov confirming that health insurance can be (and most-often is) purchased outside of the federal exchange website:

"Many insurance agents and brokers can also help you apply for and enroll in Marketplace health coverage. Contact an agent or broker to learn more." - HealthCare.gov

You can also get insurance outside the Marketplace--through a private insurance company, an online insurance seller, or an agent or broker." - HealthCare.gov

Our Business Model:

Our business model is to: 1) aggregate a comprehensive set of plan options - including both on-exchange and off-exchange plans - from public and private sources, 2) develop industry-leading tools, data and technology to help consumers select a plan, and 3) match consumers with multiple purchase options - online, over the phone or directly with a certified, licensed insurance agent. We generate revenue from agencies and carriers by facilitating plan purchases. We also generate some targeted advertising revenue from the website. Our services are free to consumers.

Subsidies Can Significantly Reduce
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What are Subsidies?

An important part of the Affordable Care Act was the creation of subsidies. Subsidies -- officially known as the “Advanced Premium Tax Credit” -- are like “discounts” that are applied directly to your health care costs.

The amount of the subsidy you may qualify for depends on several factors:

  • Your age
  • Your household income
  • Number of people in your household
  • Where you live
  • Whether or not you smoke

Any subsidy you receive can either be applied toward the monthly rate of the plan you choose, or you can take it as a lump sum credit on your federal income tax return. It can also be used to help you pay for out-of-pocket medical expenses like deductibles, co-pays, etc.

Qualifications for Subsidies

In general, the lower your household income, the greater the subsidy you will receive to help you pay for your health care costs. Please review the tables below to determine if you could qualify for a subsidy.

If you live in any one of the 48 Continental States:

You can qualify for a subsidy on both your premium and out-of-pocket costs if your income falls into one of the below ranges:

# of People in household Household Income Range
1 $11,670 to $46,680
2 $15,730 to $62,920
3 $19,790 to $79,160
4 $23,850 to $95,400
5 $27,910 to $111,640
6 $31,970 to $127,880
7 $36,040 to $144,120
8 $40,090 to $160,360

If you live in Alaska:

You can qualify for a subsidy on your premium if your income falls into one of the below ranges:

# of People in Household Household Income Range
1 $14,580 to $58,320
2 $19,660 to $78,640
3 $24,740 to $98,960
4 $29,820 to $119,280
5 $34,900 to $139,600
6 $39,980 to $159,920

If you live in Alaska:

You can qualify for a subsidy on your premiums and out-of-pocket expenses if your income falls into one of the below ranges:

# of People in Household Household Income Range
1 $14,580 to $36,450
2 $19,660 to $49,150
3 $24,740 to $61,850
4 $29,820 to $74,550
5 $34,900 to $87,250
6 $39,980 to $99,950

If you live in Hawaii:

You can qualify for a subsidy on your premium if your income falls into one of the below ranges:

# of People in Household Household Income Range
1 $13,420 to $53,680
2 $18,090 to $72,360
3 $22,760 to $91,040
4 $27,430 to $109,720
5 $32,100 to $128,400
6 $36,770 to $147,080

If you live in Hawaii:

You can qualify for a subsidy on your premiums and out-of-pocket expenses if your income falls into one of the below ranges:

# of People in Household Household Income Range
1 $13,420 to $33,550
2 $18,090 to $45,225
3 $22,760 to $56,900
4 $27,430 to $68,575
5 $32,100 to $80,250
6 $36,770 to $91,925

If your income is less than the numbers below, you may qualify for Medicaid or a Catastrophic Plan depending on which state you live in:

# of People in Household Household Income Range
1 Less than $16,243
2 Less than $21,983
3 Less than $27,724
4 Less than $33,465
5 Less than $39,206
6 Less than $44,497

For more information on Medicaid, please visit: http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Eligibility.html

If you are unsure about subsidies, we can determine your eligibility during the application process. To get started please enter your zip code and fill-in the 1-page form. You can also call (800)-986-6208.

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