Broker Check

Obamacare Savings Opportunities

To learn if you qualify for lower costs on health insurance coverage, find your estimated 2015 household income and household size on the chart below.
The column on the left tells you if you may qualify for premium tax credits, lower out-of-pocket costs, or low-cost health care through Medicaid.

How to use this Healthcare Savings Chart

  • Most people can use adjusted gross income to estimate 2015 income. When you fill out a Marketplace application a different figure, called modified adjusted gross income, is used.
  • Include in your 2015 household everyone you will claim as a dependent on your tax return and any children who live with you. Be sure to include their income when you estimate your household income.
  • If you’re married, you must file a joint tax return for 2015 in order to get lower costs on 2015 Marketplace coverage based on your income.
  • As the chart shows, if your state ISN’T expanding Medicaid, you have limited income, and you’re not eligible for Medicaid under your state’s current rules, you don’t qualify for any of the affordability programs under the health care law.

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