Can You Get ACA Subsidies Without Filing Your Income Taxes?

The Affordable Care Act (ACA) provides financial assistance to help low- and middle-income Americans afford health insurance. This assistance comes in the form of subsidies, which can lower your monthly premiums and out-of-pocket costs.

What are ACA subsidies?

ACA subsidies are tax credits that help you pay for health insurance. They are available to people who meet certain income requirements and who purchase health insurance through the Health Insurance Marketplace.

How do I qualify for ACA subsidies?

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

You must be a U.S. citizen or legal resident.
You must not be incarcerated.
Your income must be below a certain level. For 2023, the income limit is $58,080 for a single person and $118,000 for a family of four.
You must not be eligible for other health insurance, such as Medicare or Medicaid.

Can I get ACA subsidies without filing my income taxes?

No, you cannot get ACA subsidies without filing your income taxes. Your income is used to determine your eligibility for subsidies and the amount of subsidies you receive. If you do not file your income taxes, you will not be able to receive ACA subsidies.

What should I do if I haven’t filed my income taxes?

If you haven’t filed your income taxes for previous years, you should do so as soon as possible. This can be done by filing online, by mail, or by visiting a tax preparation service.

Once you have filed your income taxes, you can apply for ACA subsidies by visiting the Health Insurance Marketplace website.

I’m afraid to file my income taxes because I owe money.

If you owe money on your income taxes, you may be able to set up a payment plan with the IRS. This will allow you to pay off your debt over time.

You should not let fear of owing money prevent you from filing your income taxes. If you do not file your income taxes, you will not be able to receive ACA subsidies.

What if I don’t know how to file my income taxes?

If you don’t know how to file your income taxes, you can get help from a tax preparation service. These services can help you prepare and file your taxes for a fee.

You can also get free help from the Volunteer Income Tax Assistance (VITA) program. This program offers free tax preparation services to low- and middle-income taxpayers.

Filing your income taxes is an important part of getting the health insurance coverage you need. If you need help filing your taxes, there are resources available to assist you.