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The Premium Tax Credit:

Save on Your Monthly Rate

The Premium Tax Credit is a type of subsidy, or "discount", that is applied to your monthly insurance rate, and paid for by the government as part of Obamacare and health care reform.

To qualify for the Premium Tax Credit, your income must be at or below 4x the Federal Poverty Line. Depending on your household size and the state you live in, these income ranges are as follows:

United States residents living in the contiguous states (e.g. not living in Alaska or Hawaii):

Household Size
Yearly Household Income Range
$11,880 - $47,080
$16,020 - $63,720
$20,160 - $80,360
$24,300 - $97,000
$28,440 - $113,640
$32,580 - $130,280
$36,730 - $146,920
$40,890 - $163,560

Alaska residents only:

Household Size
Yearly Household Income Range
$20,479 - $58,880
$27,628 - $79,680
$34,776 - $100,480
$41,924 - $121,280
$49,073 - $142,080
$56,194 - $162,880
$63,370 - $183,680
$70,546 - $204,480

Hawaii residents only:

Household Size
Yearly Household Income Range
$18,865 - $54,200
$25,433 - $73,320
$32,002 - $92,440
$38,571 - $111,560
$45,140 - $130,680
$51,709 - $149,800
$58,277 - $168,920
$64,874 - $188,040

Within these ranges, the lower your income, the more you will save on your monthly health insurance rate. In other words, those with lower incomes receive a higher Premium Tax Credit. If your income falls below these levels, you may be eligible for Medicaid depending on the state you live in. Check with the Federal Health Insurance Marketplace or your state’s exchange to learn more.

If your income falls closer to the middle of these ranges, you may also be eligible to save on out-of-pocket costs. Learn about this additional subsidy program here.

What if my income changes after enrolling in a plan?
Changes in your household income makes you eligible for the Special Enrollment Period. During Special Enrollment, you can update your current plan, or enroll in a new one. Depending on whether your income is decreasing or increasing, the changes would be to either reduce/remove your Premium Tax Credit, or to increase it.

In the event you end up receiving a Premium Tax Credit that is greater than what you should have been given, you would have to repay any overages during tax season. In the event you end up receiving too little of a Premium Tax Credit, then you will end up being paid a tax refund for the remaining balance.

To see if you qualify, and to compare plans with an estimate of your Premium Tax Credit, please submit your zip code.

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We do not offer every plan available in your area. Currently we represent zero organizations which offer zero products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We connect you with licensed agents that do have Medicare Advantage Plans and they will tell you how many plans and products they offer in your service area.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ObamacarePlans.com are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.