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Qualifying for Lower Health Insurance Costs

The Affordable Care Act, or Obamacare, has helped millions of Americans attain quality health care at an affordable cost. Subsidies are an important part in making certain that health insurance is affordable, particularly for low and middle income households. Subsides are like "discounts" that are paid for by the government to help lower your monthly insurance rate and out-of-pocket costs.

Qualifying for a subsidy depends on your annual household income. Generally speaking, the lower your income, the more you will save. Qualification also depends on the type of subsidy.

There are two types of subsidies. The first type is the Premium Tax Credit. The Premium Tax Credit can greatly lower your monthly insurance rate. To qualify, your income must be at or as much as 4x the Federal Poverty Line. The Premium Tax Credit is available on all metal plans.

Learn more about qualifying for the Premium Tax Credit here.

The second are Cost Sharing Reductions. Cost Sharing Reductions are used to lower your out-of-pocket costs when receiving medical services, for expenses such as deductibles, copayments, and coinsurance. To qualify, your income must be at or as much as 2.5x the Federal Poverty Line. Cost Sharing Reductions are only available on Silver plans.

Learn more about qualifying for Cost Sharing Reductions here.

To see if you qualify for lower health insurance costs, please submit your zip code to begin checking your options. You can also call (844) 492-1987 to speak with an agent.

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(844) 492-1987

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HealthInsuranceUSA.org is an independent marketplace and is not a federal or state Marketplace website. HealthInsuranceUSA.org 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.