Do You Qualify to Save?

Use this table to find whether you and your family qualify for tax credits. Having tax credits will help you save on your monthly health insurance premium!

How federal poverty levels are used to determine eligibility for reduced-cost health coverage

  • Income above 400% FPL: If your income is above 400% FPL, you may now qualify for premium tax credits that lower your monthly premium for a 2022 Marketplace health insurance plan.
  • Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.
  • Income at or below 150% FPL: If your income falls at or below 150% FPL in your state and you’re not eligible for Medicaid or CHIP, you may qualify to enroll in or change Marketplace coverage through a Special Enrollment Period.
  • Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income.
  • Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health insurance plan or for income-based Medicaid.

How do I estimate my family income?

  • If your income falls within the range above, you will qualify for a subsidy to help save on your premium.
  • If your income is above the limit, you can still apply and your approval is guaranteed during the open enrollment period, but you will NOT qualify for subsidy.
  • If you’re self-employed, you can try our group to see if there is better pricing. (Group plans require a minimum of 2 employees to enroll in order to qualify) Use this table to find whether you and your family qualify for tax credits. Having tax credits will help you save on your monthly health insurance premium!