Getting lower costs

How to save on monthly insurance premiums

When you buy health insurance coverage in the Marketplace, you may be able to get a premium tax credit that lowers what you pay in monthly premiums.

This will depend on your 2015 household size and income.

You can apply part or all of this tax credit each month to your premium payments. The Marketplace will send your tax credit directly to your insurance company, so you pay less for your premiums each month. This is called “advance payment of the premium tax credit.”

Savings depend on 2015 income and family size

If your 2015 income falls within the following ranges you'll generally qualify for a premium tax credit. The lower your income is within these ranges, the bigger your credit.
Family size Family income


$11,670 – $46,680


$15,730 – $62,920


$19,790 – $79,160


$23,850 – $95,400


$27,910 – $111,640


$31,970 – $127,880


$36,030 – $144,120


$40,090 – $160,360

Learn how to estimate your income for the Marketplace.

Incomes that qualify for tax credits are higher in Alaska and Hawaii. See Alaska and Hawaii information.

If you have an estimate of your household income and who to include in your household, you can see plans and prices available to you that account for any premium tax credits you may qualify for.

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