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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 (844) 992-2717 to speak to an agent.

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GovernmentHealthInsurance.com is an independent marketplace and is not a federal or state Marketplace website. GovernmentHealthInsurance.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.