Marquee/Hero Tier 2

While none of our Individual & Family ACA plans require the selection of a primary care physician (PCP), there are benefits in doing so. PCPs often maintain long-term relationships with patients and can advise and treat you on a range of health-related issues. They may also coordinate your care with specialists.

There are two types of financial assistance available to marketplace enrollees. The first, called the premium tax credit, works to reduce your monthly payments for insurance coverage. The second, referred to as cost-sharing reductions, is designed to reduce your out-of-pocket costs when utilizing care. In order to receive either type of financial assistance, qualifying individuals and families must enroll in a plan offered through the health insurance Marketplace.

Eligibility:

• Premium tax credit: Have a household income from one to four times the Federal Poverty Level (FPL)
• Cost-sharing reduction: Have a household income from one to 2.5 times the Federal Poverty Level (FPL) & choose a Silver level plan
• Do not have access to affordable coverage through an employer (including a family member’s employer)
• Not eligible for coverage through Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or other forms of public assistance
• Have U.S. citizenship or proof of legal residency (Lawfully present immigrants whose household income is below 100 percent FPL and are not otherwise eligible for Medicaid are eligible for tax subsidies through the Marketplace if they meet all other eligibility requirements.)
• If married, must file taxes jointly in order to qualify

The American Rescue Plan Act, which became law in March, 2021, extends ACA premium subsidies to higher-income people who didn’t previously qualify and for lower-income people who do. Find out more about ARP subsidies.

Health insurance marketplaces are organizations in each state through which people can purchase health insurance. People can purchase health insurance that complies with the Affordable Care Act at ACA health exchanges, where they can choose from a range of standardized plans offered by the insurers participating in the exchange.

The comprehensive healthcare reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”). The law has three primary goals.

1. Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100 percent and 400 percent of the federal poverty level.
2. Expand the Medicaid program to cover all adults with income below 138 percent of the federal poverty level. (Not all states have expanded their Medicaid programs.)
3. Support innovative medical care delivery methods designed to lower the costs of healthcare generally.

While none of our Individual & Family ACA plans require the selection of a primary care physician (PCP), there are benefits in doing so. PCPs often maintain long-term relationships with patients and can advise and treat you on a range of health-related issues. They may also coordinate your care with specialists.

There are two types of financial assistance available to marketplace enrollees. The first, called the premium tax credit, works to reduce your monthly payments for insurance coverage. The second, referred to as cost-sharing reductions, is designed to reduce your out-of-pocket costs when utilizing care. In order to receive either type of financial assistance, qualifying individuals and families must enroll in a plan offered through the health insurance Marketplace.

Eligibility:

• Premium tax credit: Have a household income from one to four times the Federal Poverty Level (FPL)
• Cost-sharing reduction: Have a household income from one to 2.5 times the Federal Poverty Level (FPL) & choose a Silver level plan
• Do not have access to affordable coverage through an employer (including a family member’s employer)
• Not eligible for coverage through Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or other forms of public assistance
• Have U.S. citizenship or proof of legal residency (Lawfully present immigrants whose household income is below 100 percent FPL and are not otherwise eligible for Medicaid are eligible for tax subsidies through the Marketplace if they meet all other eligibility requirements.)
• If married, must file taxes jointly in order to qualify

The American Rescue Plan Act, which became law in March, 2021, extends ACA premium subsidies to higher-income people who didn’t previously qualify and for lower-income people who do. Find out more about ARP subsidies.

Health insurance marketplaces are organizations in each state through which people can purchase health insurance. People can purchase health insurance that complies with the Affordable Care Act at ACA health exchanges, where they can choose from a range of standardized plans offered by the insurers participating in the exchange.

The comprehensive healthcare reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”). The law has three primary goals.

1. Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100 percent and 400 percent of the federal poverty level.
2. Expand the Medicaid program to cover all adults with income below 138 percent of the federal poverty level. (Not all states have expanded their Medicaid programs.)
3. Support innovative medical care delivery methods designed to lower the costs of healthcare generally.