Who Gets a Subsidy?

The subsidies mostly apply to people with low or middle incomes. Whether you qualify depends on how much money you make, how many people are in your family, and whether you can get coverage through your employer. In general, if you can get insurance through your work, you are probably not eligible for a subsidy. But if your income is below a certain amount, and you can’t afford the insurance through your work, you might be able to get a subsidy to help pay for your insurance.

Here’s a guide provided by the federal government. If this is how much you make in a year, you might be able to get help paying for your insurance. But keep in mind this is just a guide, and it’s based on 2013 numbers. So it could change in 2014. Also, if your income changes during the year,  that could affect how much financial aid you get or possibly have to return to the federal government.

You might be able to get a break on the cost of your health insurance through the marketplace, if you make this much each year:

  • $11,490 to $45,960 for individuals
  • $15,510 to $62,040 for a family of 2
  • $19,530 to $78,120 for a family of 3
  • $23,550 to $94,200 for a family of 4
  • $27,570 to $110,280 for a family of 5
  • $31,590 to $126,360 for a family of 6
  • $35,610 to $142,440 for a family of 7
  • $39,630 to $158,520 for a family of 8

If you find that you make less than the lowest number for your family size, your marketplace application will help you figure out if you can get free or low-cost insurance through a government health care program like Medicaid.

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