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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 (855) 910-7904 to speak with an agent.

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