How to Qualify for Affordable Health Insurance Under the Affordable Care Act
The Affordable Care Act (ACA) is a comprehensive health insurance law enacted in 2010. ACA has made health insurance more affordable for millions of Americans, especially those with low incomes. Low-income Americans can get subsidized health insurance through the ACA Health Insurance Marketplace.
To qualify for subsidized health insurance through the Health Insurance Marketplace, you must meet certain income and citizenship or immigration status requirements.
Income requirements
To qualify for subsidized health insurance through the Health Insurance Marketplace, your income must be between 138% and 400% of the federal poverty level (FPL). For 2023, the FPL is $13,590 for an individual and $27,750 for a family of four. This means that a single person with an income of between $18,726 and $54,360 per year would qualify for subsidized health insurance through the Health Insurance Marketplace.
Citizenship or immigration status requirements
To qualify for subsidized health insurance through the Health Insurance Marketplace, you must be a U.S. citizen, a U.S. national, or a legal permanent resident. You may also qualify if you are an undocumented immigrant who meets certain requirements.
How to apply for subsidized health insurance through the Health Insurance Marketplace
You can apply for subsidized health insurance through the Health Insurance Marketplace online, by phone, or through a paper application.
To apply online, go to HealthCare.gov.
To apply by phone, call 1-800-318-2596.
To apply by paper, you can download an application from HealthCare.gov or call 1-800-318-2596 to request one.
Once you have applied, you will need to provide documentation to verify your income and citizenship or immigration status.
Once you have been approved for subsidized health insurance, you will be able to choose a health insurance plan from the Health Insurance Marketplace.
You will then pay your monthly premium directly to your health insurance company.
The ACA has made health insurance more affordable for millions of Americans. If you are a low-income American, you should consider applying for subsidized health insurance through the Health Insurance Marketplace.
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