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Affordable Care Act

Who qualifies for Obamacare premium tax credit and related subsidies?

To qualify for Obamacare premium tax credit, you must be an American citizen or legally present non-citizen living in the United States who does not have access to other affordable health insurance (for example, an employer-sponsored group health plan, Medicare, or Medicaid). Affordable employer-sponsored group health coverage is employee insurance that does not cost you more than 9.61 percent of your household income in 2022 and 9.12 percent in 2023, as determined by the IRS. 

You do not qualify for premium tax credit if any of the following circumstances  is true:

  • You are married and filing taxes separately (except in cases of spousal abuse or abandonment) or refuse to file income tax;
  • You are incarcerated;
  • You have access to affordable employer-sponsored insurance but want to purchase family insurance because you can’t afford the cost-share for family coverage under the employer group health plan.

How much income do you need to qualify for Obamacare premium tax credit and related subsidies? Subsidy 

View Income Chart

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