Can You Retire from Your W-2 Job and Still Get ACA Health Insurance?

The Affordable Care Act (ACA) provides health insurance options for individuals and families who don’t have health insurance through an employer. One of the ways to qualify for ACA health insurance is to have a low enough income.

In the post above, the poster is considering quitting her job to focus on her family and growing her business. Her husband’s income would be enough to cover their monthly expenses, but they are wondering if they would still be able to qualify for ACA health insurance if she quit her job.

The answer is yes, they would still be able to qualify for ACA health insurance. The ACA is based on income, not employment status. As long as their income is below a certain level, they would be eligible for ACA health insurance.

The income limits for ACA health insurance vary depending on the state where you live. For 2023, the income limit for a family of four is $58,240. If your income is below this level, you would be eligible for subsidies to help pay for your ACA health insurance.

If you are considering quitting your job and getting ACA health insurance, there are a few things you should keep in mind:

You will need to apply for ACA health insurance through the Health Insurance Marketplace. The Marketplace is a website where you can compare health insurance plans and enroll in the plan that is right for you.
You will need to provide proof of your income when you apply for ACA health insurance. This can be done by providing a copy of your tax return or pay stubs.
You will need to pay your ACA health insurance premiums on time. If you miss a payment, your coverage could be canceled.

If you have any questions about ACA health insurance, you can contact the Health Insurance Marketplace at 1-800-318-2596. You can also get more information about ACA health insurance at

Here are some additional resources that you may find helpful:

[ACA Health Insurance](
[Health Insurance Marketplace](
[ACA Income Limits](

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