Do I qualify for a subsidy?
Short answer
It depends mainly on your expected household income for the year, your household size and whether you're offered affordable job-based coverage. The Marketplace application tells you exactly what you qualify for.
What the Marketplace looks at
- Expected household income for the coverage year
- Household size — usually everyone on your tax return
- Access to other coverage, such as an affordable employer plan or Medicare
- Where you live, because plan prices vary by area
Types of financial help
- Premium tax credits lower your monthly premium.
- Cost-sharing reductions lower deductibles and copays on Silver plans for people who qualify.
Estimate carefully
Your help is based on your estimate. If your actual income ends up different, the difference is settled when you file your taxes. Update your application if your income changes during the year.
We can help you estimate your income and see what you qualify for.
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Related questions
What counts as a qualifying life event?
Changes in coverage Changes in household Changes in residence Other changes You usually have a limited window after the event to enroll. You may need to provide documents to prove it.
How To Get Health Insurance Before Medicare
Securing medical coverage before you reach age 65 requires navigating a complex bridge between full-time employment and government-sponsored benefits. How to get health insurance before Medicare involves evaluating private marketplaces, employer-sponsored extensions, and state-funded programs to avoid coverage gaps.