Subsidies Can Significantly Reduce
Your Costs - Find Out if You Qualify

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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.

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