ACA Subsidies: A Vital Safety Net for Americans

The Affordable Care Act (ACA), also known as Obamacare, provides subsidies to help low- and middle-income Americans afford health insurance. These subsidies are an essential part of the ACA’s mission to expand health coverage and make it more affordable for everyone.

Eligibility for ACA Subsidies

To qualify for ACA subsidies, you must meet the following criteria:

Be a U.S. citizen or legal resident
Not be incarcerated
Have income below a certain level (generally between 100% and 400% of the federal poverty level)

Types of ACA Subsidies

The ACA offers two main types of subsidies:

Premium tax credits: These credits help you pay for your monthly health insurance premiums.
Cost-sharing reductions: These reductions help you lower your out-of-pocket costs, such as deductibles, copays, and coinsurance.

Benefits of ACA Subsidies

ACA subsidies provide a number of benefits, including:

Making health insurance more affordable for low- and middle-income Americans
Expanding health coverage to millions of uninsured Americans
Reducing the financial burden of health care costs for families and individuals

How to Apply for ACA Subsidies

You can apply for ACA subsidies when you enroll in health insurance through the Health Insurance Marketplace. You can enroll online at, by phone at 1-800-318-2596, or through a licensed agent or broker.


ACA subsidies are a vital safety net for low- and middle-income Americans. These subsidies help make health insurance more affordable and accessible, and they have helped to expand health coverage to millions of Americans. If you qualify for ACA subsidies, we encourage you to enroll in a health insurance plan through the Health Insurance Marketplace.

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