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What are Subsidies?

Obamacare was created to provide all Americans with access to affordable, quality healthcare. Subsidies are a big part in ensuring this affordability because they greatly reduce the costs of owning a policy, especially to those who need financial assistance the most.

A subsidy is like a discount on your policy -- not on only on the premium (how much you pay for insurance every month), but also on the out-of-pocket expenses (co-pays, deductibles, etc.).

The amount of the subsidy is based on your household income and the number of people in your household. Known as the “Advance Premium Tax Credit” in technical terms, subsidizes can be applied monthly towards the rate of your plan or as a lump sum credit on your tax return at the end of the year.

Determining if You Qualify:

Eligibility for subsidies depends on where you live, your age, your income and whether or not you are a smoker. Generally speaking, the lower your income, the larger your credit.


If you live in one of the 48 continental states, you should be able to qualify for a subsidy on both your premium and your out-of-pocket medical expenses 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 should be able to 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 should be able to qualify for a subsidy on your out-of-pocket medical 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 should be able to 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 should be able to qualify for a subsidy on your out-of-pocket medical 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


Is your income below the range for the number of people in your household? In other words, say there are two people in your household, and you live in one of the 48 continental states. The listed range for this household size and location is $15,730 to $62,920. If you make less than $15,730, then you can still save on healthcare coverage.

Remember, the main purpose of the Affordable Care Act is to ensure that health insurance is available to everyone. If your income is less than the lowest number listed in a given range, then that means you are eligible for Medicare/Medicaid at little to no cost. Not every state has Medicare/Medicaid available for this purpose. If you live in one of these states, you will be eligible for a Catastrophic Plan.

Not completely sure about your subsidy eligibility? Don’t worry! Go ahead and enter your zip code and our technology will help determine your subsidy eligibility during the quote and application process. ObamacareUSA.org is here to make sure you pay the lowest rate for the best health coverage available to you!

Still looking for rates? ObamacareUSA.org, a licensed health insurance broker, can help you get a competitive quote.
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ObamacareUSA.org
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Los Angeles, CA 90017

ObamacareUSA.org is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at obamacareusa.org/licenses.html.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ObamacareUSA.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including 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, the resulting premium and subsidy calculations may be subject to change.