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See if You Qualify for Lower Costs: Compare Health Insurance Prices and Plans Now!

Qualifying for Lower Health Insurance Costs

The Affordable Care Act, or Obamacare, has helped millions of Americans gain access to health care at an affordable price. The government makes this possible by helping low and middle income households through subsidies, which are paid for by the government to help lower your monthly insurance premium and out-of-pocket costs you may incur, like deductibles, co-pays, and coinsurance.

You may qualify for a subsidy depending on your annual household income. Generally speaking, the lower your income, the more the government will help you offset the cost of insurance. Qualification may also depend on the type of subsidy.

There are two types of subsidies. One type is the Premium Tax Credit, which is designed to help you pay for your monthly insurance premium. To qualify, your income must be at or as much as 4x the Federal Poverty Line. The Premium Tax Credit is available on all Obamacare metal plans.

Learn more about qualifying for the Premium Tax Credit here.

The second type of subsidy is called Cost-Sharing Reductions. Cost-Sharing Reductions are designed to help you pay your out-of-pocket costs – like copays and deductibles, for example - when receiving medical services. To qualify for this type of subsidy, your income must be at or as much as 2.5x the Federal Poverty Line. Note that Cost-Sharing Reductions are only available on Silver plans.

Learn more about qualifying for Cost Sharing Reductions here.

It is important to remember that you cannot qualify for any government assistance with your health insurance costs with the purchase of a non-ACA qualified (Obamacare) plan, such as a short-term, limited indemnity, or critical illness plan.

To compare your health insurance plan options, please submit your zip code to begin. You can also call (844) 492-1987 to speak with an agent.

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