A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Call our agency partners 866-553-3223
Call our agency partners 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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How sunsetting ARP’s subsidy enhancements would affect ACA subsidy amounts
Q. Obamacare advocates frequently talk about how most exchange enrollees qualify for government subsidies. But who is left out? Aren't there some people who really want and need the tax credits who aren't eligible? If your income is just a little over the subsidy-eligibility threshold, you can talk with a tax advisor about strategies for lowering your modified adjusted gross income to make it subsidy-eligible.

Who ISN’T eligible for Obamacare’s premium subsidies?

Who's not eligible for Obamacare premium subsidies?

Q. Most Marketplace/exchange enrollees qualify for premium tax credits (premium subsidies), but not all. Can you explain what would make a person ineligible for Marketplace subsidies?

Obamacare subsidy calculator *

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Add ages of other family members to be insured.

Include yourself, your spouse, and children claimed as dependents on your taxes.

Modified Adjusted Gross Income (MAGI)

For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040).

Estimated annual subsidy
$0

Provide information above to get an estimate.

Find plans

A. You aren't eligible for the ACA's federal subsidies to help cover health insurance premiums if:


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

Footnotes

  1. Revenue Procedure 2023-29. Internal Revenue Service. Accessed January 2024. 
  2. Medicare and the Marketplace, Master FAQ. Centers for Medicare and Medicaid Services. Accessed November 2023. 

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