Who is Eligible for ACA Health Insurance: Understanding the Income Limits

Many individuals are looking for affordable health plans as they approach retirement age. The Affordable Care Act (ACA) offers comprehensive coverage options through the Health Insurance Marketplace, also known as healthcare.gov. Understanding the income limits associated with ACA plans is crucial to determine your eligibility for premium subsidies and potentially obtain low-cost or no-cost coverage.

What are the Income Limits for ACA Health Insurance?

The ACA categorizes individuals into income brackets based on the Federal Poverty Level (FPL) to determine their eligibility for subsidies. For 2024, the FPL amounts are as follows:

100% FPL: $13,590 for individuals and $27,750 for a family of four
150% FPL: $19,395 for individuals and $39,750 for a family of four
200% FPL: $25,190 for individuals and $51,500 for a family of four

Eligibility for Premium Subsidies

Individuals and families with incomes below 400% FPL may qualify for premium subsidies to help reduce the cost of their health insurance premiums. The amount of the subsidy depends on your income and the cost of the plans available in your area.

Individuals: Incomes between 138% and 400% FPL
Families: Incomes between 185% and 400% FPL

Qualifying for Low-Cost or Free Coverage

Individuals and families with incomes below 138% FPL may qualify for low-cost or no-cost health coverage through Medicaid expansion programs in their states.

Medicaid: A state-administered program that provides health coverage to low-income individuals and families.
Chip: A federally funded program that provides low-cost health coverage to children and pregnant women.

Finding the Right Plan for You

If you qualify for an ACA plan, you can enroll through the Health Insurance Marketplace (healthcare.gov) or seek assistance from a licensed health insurance agent. They can help you understand your options, compare plans, and find the coverage that best meets your needs and budget.


Understanding the income limits for ACA health insurance is essential for determining your eligibility for subsidies and accessing affordable coverage. By leveraging the resources available through the Health Insurance Marketplace and qualified professionals, individuals can navigate the ACA system and obtain the health insurance they need to protect their well-being.

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