How to apply & enroll

Ways to apply if your income is too high for tax credits

If you’re not eligible for lower costs on a health plan because your income is too high, you can still buy health coverage through the Marketplace.

You can also get insurance outside the Marketplace — through a private insurance company, an online insurance seller, or an agent or broker.

First: Find out if you’re eligible for lower costs

You could be eligible for lower costs on health coverage based on your income and household size. You generally won’t qualify for savings if your estimated 2015 income is above the following amounts:

  • $46,680 for an individual
  • $95,400 for a family of 4

The lower your income, the higher your savings. If your income is close to these limits your savings will be less.

To see if you may qualify for lower costs:

Four ways you can buy a health plan

See how you can get covered if you don’t qualify for lower costs.
  • Directly from an insurance company. You can contact any health insurance company and see plans available in your area. Many have websites that let you compare all plans they sell.
    • You can also use our Plan Finder website, which presents information about private health plans available outside the Marketplace.
  • With the help of an insurance agent or broker. Agents generally work for a single health insurance company. Brokers generally sell plans from a number of companies. They can help you compare plans based on features and price and complete your enrollment. You don’t pay more by using an agent or broker. They’re generally paid by the insurance company whose plans they sell.
  • From an online health insurance seller. These online services offer health plans from a number of insurance companies. They let you compare prices and features and then enroll with the insurance company.
  • Through the Health Insurance Marketplace. You can apply and enroll through the Marketplace even if you don’t qualify for lower costs based on your income.

Savings based on your income: Available only from the Marketplace

Health plans sold inside and outside the Marketplace are similar. There’s one very important difference:

The only way to get lower costs on your monthly premiums and out-of-pocket costs based on your income is through the Marketplace.