How Do You Determine If You Qualify for Obamacare?


Quick Answer

While most Americans can obtain health insurance through the Affordable Care Act, only those residing inside the United States, not in prison and not currently on Medicare qualify. Subsidies are also available, based on the total household income and the number of individuals in said household.

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Full Answer

A final determination on subsidy eligibility can only be made after a complete accounting of household income has been provided through an approved health care marketplace website. Several states operate their own marketplace, while others rely on a federally operated marketplace. Income levels are used to determine the amount of a federal tax subsidy, and income ranges are provided on HealthCare.gov.

For example, an unmarried individual, with no dependents, making between $11,670 and $46,680 may qualify to have health insurance premiums lowered with the use of a federal subsidy as of 2015. The amount of that subsidy is determined based on where a person's income level falls within that range. Those with income below this range are encouraged to seek out health care coverage through their state Medicaid program. Qualifying dependents can include children, nonworking spouses, and disabled adult family members for whom care is being paid for or provided by the primary earner in a household.

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