Getting lower costs

Income levels that qualify for lower health coverage costs

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.

Learn how to estimate your income for the Marketplace.

Quick Check: Do I qualify to save on health insurance coverage?

This health care savings chart shows if you may qualify for lower costs on coverage in the Health Insurance Marketplace based on your household income and family size.

See a full-screen version of this chart.

View an accessible version of this chart.

Higher incomes qualify for lower costs in Alaska and Hawaii. See Alaska and Hawaii information.

How to use this health care 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. Learn more about estimating 2015 income.
  • 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. Learn more about who to include in your household.
  • 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. Note: If you’re a victim of domestic abuse, read an important note by selecting the question "Is there an exemption to the joint filing rule in cases of domestic abuse?" at the bottom of this page.
  • 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. Learn how you can get low-cost health care at a Community Health Center near you.
  • If your estimated 2015 income is too high to qualify for savings, learn about your options for buying coverage.

More on Marketplace costs and savings