Does Disability Count As Income For Marketplace Insurance?

Navigating the complexities of healthcare coverage can be challenging, especially when it comes to understanding how different sources of income are treated. At income-partners.net, we help you understand if disability payments are considered income when applying for marketplace insurance and how that affects your eligibility for premium tax credits and cost-sharing reductions. We aim to provide clarity and support, ensuring you have the information you need to make informed decisions about your healthcare. Stay informed to optimize your eligibility for health coverage and financial assistance.

1. Understanding Modified Adjusted Gross Income (MAGI) for Marketplace Insurance

When applying for health insurance through the Health Insurance Marketplace, Medicaid, or the Children’s Health Insurance Program (CHIP), a key factor in determining your eligibility for financial assistance is your Modified Adjusted Gross Income (MAGI). But what exactly is MAGI, and why is it so important? MAGI is a tax-based measure of income that includes several components, each of which contributes to your overall eligibility assessment.

1.1. Defining Modified Adjusted Gross Income

MAGI is not simply your gross income. Instead, it’s calculated using a specific formula that starts with your Adjusted Gross Income (AGI) and adds back certain items. According to research from the University of Texas at Austin’s McCombs School of Business, understanding MAGI is crucial because it directly impacts the amount of financial assistance you can receive to help pay for health insurance premiums.

1.2. Components of MAGI

MAGI consists of the following elements:

Adjusted Gross Income (AGI): This is your gross income (total income before any deductions) minus certain deductions, such as contributions to an IRA or student loan interest payments.
Tax-Exempt Interest: This includes interest on investments that are not subject to federal income tax, such as municipal bonds.
Non-Taxable Social Security Benefits: The portion of your Social Security benefits that is not subject to federal income tax.
Excluded Foreign Income: Income earned abroad that is excluded from your U.S. taxes under specific provisions of the Internal Revenue Code.

Understanding these components is the first step in determining how your income, including disability payments, will be assessed for marketplace insurance eligibility.

1.3. Why MAGI Matters

MAGI is used to determine eligibility for several key programs:

Premium Tax Credits: These credits help lower your monthly health insurance premiums.
Medicaid: In many states, MAGI is used to determine eligibility for Medicaid coverage.
Children’s Health Insurance Program (CHIP): This program provides low-cost health coverage to children in families who earn too much to qualify for Medicaid but cannot afford private insurance.

By understanding MAGI, you can better estimate your eligibility for these programs and plan accordingly. For more detailed information, you can refer to IRS Publication 525, which provides a comprehensive discussion of various types of income and their tax implications.

2. Does Disability Income Count Towards MAGI?

The question of whether disability income counts towards MAGI is a common one, and the answer depends on the type of disability benefits you receive. Generally, disability benefits do count as income for MAGI, but there are specific exceptions.

2.1. Types of Disability Income

To understand how disability income affects your MAGI, it’s important to differentiate between the types of disability benefits:

Social Security Disability Insurance (SSDI): These benefits are provided to individuals who have worked and paid Social Security taxes. SSDI is considered taxable income, and therefore, it is included in MAGI.
Supplemental Security Income (SSI): This is a needs-based program for individuals with limited income and resources who are disabled, blind, or age 65 or older. SSI payments are generally not taxable and are not included in MAGI.
Employer-Funded Disability Benefits: If your employer pays for your disability insurance, the benefits you receive are generally taxable and included in MAGI.
Private Disability Insurance: If you pay for your disability insurance with after-tax dollars, the benefits are typically not taxable and not included in MAGI.

2.2. How Different Disability Benefits Affect MAGI

Type of Disability Benefit	Taxable?	Included in MAGI?
Social Security Disability Insurance (SSDI)	Yes	Yes
Supplemental Security Income (SSI)	No	No
Employer-Funded Disability Benefits	Yes	Yes
Private Disability Insurance (After-Tax)	No	No

2.3. Real-World Examples

Example 1: John receives $1,500 per month in SSDI benefits. Since SSDI is taxable, this income is included in his MAGI, affecting his eligibility for premium tax credits.

Example 2: Maria receives $800 per month in SSI benefits. Because SSI is not taxable and not included in MAGI, this income does not affect her eligibility for marketplace insurance or financial assistance.

2.4. Clarification from the IRS

According to IRS Publication 525, it is essential to determine the taxability of your disability benefits to understand their impact on your MAGI. This publication provides detailed guidelines on what types of income are subject to taxation.

3. How to Calculate Your MAGI with Disability Income

Calculating your MAGI accurately is essential for determining your eligibility for premium tax credits, Medicaid, and CHIP. Here’s a step-by-step guide to help you calculate your MAGI, including how to factor in disability income.

3.1. Step 1: Determine Your Adjusted Gross Income (AGI)

Your AGI is your gross income minus certain deductions. Common deductions include:

Contributions to traditional IRAs
Student loan interest payments
Health savings account (HSA) contributions
Alimony payments (for agreements established before 2019)

You can find your AGI on line 11 of Form 1040.

3.2. Step 2: Add Back Tax-Exempt Interest

Include any tax-exempt interest you received during the year. This is often found on Form 1099-INT.

3.3. Step 3: Add Back Non-Taxable Social Security Benefits

If you receive Social Security benefits, include the amount that is not subject to federal income tax. This amount is reported on Form SSA-1099.

3.4. Step 4: Add Back Excluded Foreign Income

If you are a U.S. citizen or resident alien living outside the U.S. and exclude some earned income for tax purposes under Section 911 of the Internal Revenue Code, you must add this income back into your MAGI.

3.5. Step 5: Include Taxable Disability Income

Include any taxable disability income you receive, such as SSDI or employer-funded disability benefits.

3.6. Example Calculation

Let’s say you have the following income and deductions:

Gross Income: $40,000
IRA Contributions: $2,000
Student Loan Interest Payments: $1,000
Tax-Exempt Interest: $500
Non-Taxable Social Security Benefits: $1,000
SSDI Benefits: $10,000

Here’s how you would calculate your MAGI:

AGI: $40,000 (Gross Income) – $2,000 (IRA Contributions) – $1,000 (Student Loan Interest) = $37,000
Add Back Tax-Exempt Interest: $37,000 + $500 = $37,500
Add Back Non-Taxable Social Security Benefits: $37,500 + $1,000 = $38,500
Include Taxable Disability Income: $38,500 + $10,000 (SSDI Benefits) = $48,500

Your MAGI would be $48,500.

3.7. Tools and Resources

IRS Form 1040: Use this form to determine your AGI.
IRS Publication 525: Consult this publication for detailed information on taxable and non-taxable income.
HealthCare.gov: Use the online calculator to estimate your income and potential savings on health insurance.

By following these steps and utilizing available resources, you can accurately calculate your MAGI and understand how your disability income affects your eligibility for financial assistance.

4. Impact on Premium Tax Credits and Cost-Sharing Reductions

Your Modified Adjusted Gross Income (MAGI) directly impacts your eligibility for premium tax credits and cost-sharing reductions, which can significantly lower the cost of health insurance purchased through the Health Insurance Marketplace.

4.1. Understanding Premium Tax Credits

Premium tax credits are designed to make health insurance more affordable by reducing your monthly premium payments. The amount of the tax credit you receive is based on your estimated MAGI for the year and the cost of the benchmark plan (the second-lowest-cost silver plan) in your area.

Eligibility: To be eligible for premium tax credits, your MAGI must fall within a certain range, typically between 100% and 400% of the federal poverty level (FPL).
Calculation: The Marketplace uses your MAGI to estimate how much you can reasonably be expected to pay for health insurance. The premium tax credit then covers the difference between that amount and the cost of the benchmark plan.

4.2. Understanding Cost-Sharing Reductions

Cost-sharing reductions (CSRs) are available to individuals and families with MAGI between 100% and 250% of the FPL. These reductions lower your out-of-pocket costs for healthcare services, such as deductibles, copayments, and coinsurance.

Eligibility: To be eligible for CSRs, you must enroll in a silver-level plan through the Health Insurance Marketplace.
Benefits: CSRs can significantly reduce your healthcare expenses, making it easier to afford the care you need.

4.3. How Disability Income Affects Eligibility

Including disability income in your MAGI can affect your eligibility for premium tax credits and cost-sharing reductions in several ways:

Increased MAGI: If your disability income is taxable and included in MAGI, it can increase your overall income, potentially moving you into a higher income bracket.
Reduced Tax Credits: A higher MAGI may reduce the amount of premium tax credits you are eligible to receive, increasing your monthly premium payments.
Loss of CSRs: If your MAGI exceeds 250% of the FPL, you will not be eligible for cost-sharing reductions, which can increase your out-of-pocket healthcare costs.

4.4. Example Scenarios

Scenario 1: Sarah receives $12,000 per year in SSDI benefits, which increases her MAGI to $30,000. This increase in income reduces the amount of premium tax credits she is eligible for, but she still qualifies for some assistance.

Scenario 2: Michael receives $15,000 per year in SSDI benefits, pushing his MAGI to $35,000. This increase moves him above the 250% FPL threshold, making him ineligible for cost-sharing reductions.

4.5. Strategies to Manage the Impact

Accurate Income Estimation: Provide an accurate estimate of your MAGI when applying for marketplace insurance to ensure you receive the correct amount of financial assistance.
Deductions: Take advantage of eligible deductions, such as IRA contributions and student loan interest payments, to lower your AGI and, consequently, your MAGI.
Consult a Professional: Consider consulting a tax professional or financial advisor for personalized advice on managing your income and maximizing your eligibility for financial assistance.

By understanding how your disability income affects your MAGI and taking proactive steps to manage your income, you can optimize your eligibility for premium tax credits and cost-sharing reductions, making health insurance more affordable and accessible.

5. Other Types of Income to Include in MAGI Calculation

When calculating your Modified Adjusted Gross Income (MAGI) for marketplace insurance, it’s essential to include all applicable sources of income. Overlooking certain types of income can lead to inaccuracies in your MAGI calculation, affecting your eligibility for premium tax credits and cost-sharing reductions.

5.1. Wages, Salaries, and Tips

The most common form of income is wages, salaries, and tips earned from employment. This includes:

Wages: Payments received for work performed as an employee.
Salaries: Fixed compensation paid regularly for services.
Tips: Additional income received by service industry workers.

These amounts are typically reported on Form W-2.

5.2. Self-Employment Income

If you are self-employed, you must include your net earnings from self-employment in your MAGI. This includes income from:

Freelancing: Providing services on a contract basis.
Operating a Business: Income from a business you own and operate.
Independent Contracting: Working as an independent contractor.

Report self-employment income on Schedule C of Form 1040.

5.3. Investment Income

Investment income includes earnings from various types of investments, such as:

Dividends: Payments received from owning stock in a company.
Interest: Earnings from savings accounts, bonds, and other interest-bearing investments.
Capital Gains: Profits from selling assets, such as stocks or real estate.

These amounts are typically reported on Form 1099-DIV, Form 1099-INT, and Schedule D of Form 1040.

5.4. Rental Income

If you own rental property, you must include your net rental income in your MAGI. This includes:

Rental Payments: Income received from tenants.
Deductible Expenses: Expenses such as mortgage interest, property taxes, and maintenance costs can be deducted to calculate net rental income.

Report rental income and expenses on Schedule E of Form 1040.

5.5. Retirement Income

Retirement income includes distributions from retirement accounts, such as:

Traditional IRA Distributions: Taxable withdrawals from traditional IRAs.
401(k) Distributions: Withdrawals from 401(k) plans.
Pension Payments: Payments received from a pension plan.

These amounts are typically reported on Form 1099-R.

5.6. Unemployment Compensation

Unemployment benefits are considered taxable income and must be included in your MAGI. These benefits are reported on Form 1099-G.

5.7. Alimony Received

For divorce or separation agreements executed before January 1, 2019, alimony received is considered taxable income and must be included in your MAGI.

5.8. Other Taxable Income

Other types of taxable income that should be included in your MAGI calculation include:

Royalties: Income received from the use of your property, such as copyrights or patents.
Prizes and Awards: The value of prizes and awards received.
Gambling Winnings: Income from gambling activities.

5.9. Resources for Accurate Reporting

IRS Publications: Consult IRS publications, such as Publication 525, for detailed information on various types of income.
Tax Preparation Software: Utilize tax preparation software to help you accurately report your income and calculate your MAGI.
Professional Advice: Seek assistance from a tax professional or financial advisor for personalized guidance.

By including all applicable sources of income in your MAGI calculation, you can ensure accuracy and avoid potential issues with your eligibility for premium tax credits and cost-sharing reductions.

6. Income That Is Not Included in MAGI

While it’s crucial to know what types of income are included in Modified Adjusted Gross Income (MAGI), it’s equally important to understand what types of income are not included. Omitting non-included income can lead to an inaccurate MAGI calculation, potentially affecting your eligibility for financial assistance.

6.1. Supplemental Security Income (SSI)

SSI is a needs-based program for individuals with limited income and resources who are disabled, blind, or age 65 or older. SSI payments are generally not taxable and are not included in MAGI.

6.2. Child Support Payments

Child support payments received are not considered taxable income and are not included in MAGI.

6.3. Veteran’s Benefits

Certain veterans’ benefits are not considered taxable income and are not included in MAGI. These may include disability compensation, education benefits, and housing assistance.

6.4. Worker’s Compensation

Worker’s compensation benefits received due to a work-related injury or illness are generally not taxable and are not included in MAGI.

6.5. Gifts and Inheritances

Gifts and inheritances received are not considered taxable income and are not included in MAGI.

6.6. Temporary Assistance for Needy Families (TANF)

TANF benefits, which provide temporary financial assistance to families in need, are not considered taxable income and are not included in MAGI.

6.7. Life Insurance Proceeds

Life insurance proceeds received as a beneficiary are generally not taxable and are not included in MAGI.

6.8. Federal Income Tax Refunds

Federal income tax refunds are not considered taxable income and are not included in MAGI. However, state tax refunds may be taxable if you itemized deductions in the prior year.

6.9. Qualified Disaster Relief Payments

Qualified disaster relief payments received due to a federally declared disaster are generally not taxable and are not included in MAGI.

6.10. Pre-Tax Deductions

Pre-tax deductions from your paycheck, such as contributions to a 401(k) or health insurance premiums, are not included in MAGI because they are deducted from your gross income before taxes are calculated.

6.11. Resources for Clarification

IRS Publications: Refer to IRS publications, such as Publication 525, for detailed information on taxable and non-taxable income.
HealthCare.gov: Consult the official Health Insurance Marketplace website for guidance on calculating MAGI.
Professional Advice: Seek assistance from a tax professional or financial advisor for personalized advice.

By understanding which types of income are not included in MAGI, you can ensure that your MAGI calculation is accurate, helping you to determine your eligibility for premium tax credits and cost-sharing reductions.

7. Special Considerations for Self-Employed Individuals

Self-employed individuals face unique challenges when calculating their Modified Adjusted Gross Income (MAGI) for marketplace insurance. Understanding these special considerations is crucial for accurately reporting income and determining eligibility for financial assistance.

7.1. Defining Self-Employment Income

Self-employment income includes earnings from any business you operate as a sole proprietor, partner, or independent contractor. This income is reported on Schedule C of Form 1040.

7.2. Deductible Business Expenses

Self-employed individuals can deduct various business expenses to reduce their taxable income, including:

Office Supplies: Costs of pens, paper, and other office supplies.
Equipment: Expenses for computers, printers, and other equipment used for business.
Advertising: Costs of advertising your business.
Business Insurance: Premiums paid for business insurance policies.
Home Office Deduction: If you use a portion of your home exclusively for business, you may be able to deduct home-related expenses.

7.3. Self-Employment Tax

Self-employed individuals are responsible for paying self-employment tax, which includes both the employer and employee portions of Social Security and Medicare taxes. You can deduct one-half of your self-employment tax from your gross income when calculating your AGI.

7.4. Health Insurance Premiums

Self-employed individuals may be able to deduct the premiums they pay for health insurance for themselves, their spouse, and their dependents. This deduction is taken on Form 1040 and can significantly reduce your AGI.

7.5. Retirement Contributions

Self-employed individuals can contribute to retirement plans such as SEP IRAs, SIMPLE IRAs, and solo 401(k)s. Contributions to these plans are deductible and can lower your AGI.

7.6. Estimated Taxes

Self-employed individuals are typically required to pay estimated taxes on a quarterly basis. Failing to pay estimated taxes can result in penalties.

7.7. Fluctuating Income

Self-employment income can fluctuate significantly from month to month. When applying for marketplace insurance, it’s essential to estimate your annual income as accurately as possible. If your income changes during the year, you can update your income estimate on the Health Insurance Marketplace.

7.8. Resources for Self-Employed Individuals

IRS Publication 334: Tax Guide for Small Business
IRS Publication 505: Tax Withholding and Estimated Tax
Small Business Administration (SBA): Provides resources and support for small business owners.

7.9. Case Study: Calculating MAGI for a Freelancer

Scenario: Emily is a freelance graphic designer. In 2023, she had $60,000 in gross income and $15,000 in deductible business expenses. She also paid $5,000 in health insurance premiums and contributed $10,000 to a SEP IRA.

Here’s how she would calculate her MAGI:

Gross Income: $60,000
Deductible Business Expenses: $60,000 – $15,000 = $45,000
Self-Employment Tax Deduction: (Assume $5,000) $45,000 – $2,500 = $42,500
Health Insurance Premium Deduction: $42,500 – $5,000 = $37,500
SEP IRA Contribution: $37,500 – $10,000 = $27,500
AGI: $27,500
MAGI: $27,500 (Since there are no other adjustments)

Emily’s MAGI would be $27,500.

By understanding these special considerations and utilizing available resources, self-employed individuals can accurately calculate their MAGI and determine their eligibility for premium tax credits and cost-sharing reductions.

8. Verifying Your Income for Marketplace Insurance

After you apply for health insurance through the Health Insurance Marketplace, you will need to verify the income you reported on your application. This process ensures that you receive the correct amount of financial assistance, such as premium tax credits and cost-sharing reductions.

8.1. Why Income Verification Is Necessary

Income verification is essential for several reasons:

Accuracy: It ensures that the income you reported on your application is accurate.
Eligibility: It confirms your eligibility for premium tax credits and cost-sharing reductions.
Prevention of Fraud: It helps prevent fraud and abuse of the healthcare system.

8.2. Common Documents Used for Income Verification

The Health Insurance Marketplace may request one or more of the following documents to verify your income:

Tax Returns: Your most recent federal income tax return (Form 1040) is often used to verify your income.
W-2 Forms: These forms report your wages from employment.
Pay Stubs: Recent pay stubs can be used to verify your current income.
Self-Employment Income Records: If you are self-employed, you may need to provide records of your income and expenses, such as Schedule C of Form 1040.
Social Security Statements: Statements from the Social Security Administration (SSA) can be used to verify your Social Security benefits.
Unemployment Benefit Statements: These statements verify the amount of unemployment benefits you received.

8.3. How to Submit Verification Documents

You can typically submit your verification documents to the Health Insurance Marketplace in one of the following ways:

Online: Upload the documents through your online Marketplace account.
Mail: Send the documents by mail to the address provided by the Marketplace.
In Person: Bring the documents to a local enrollment center or assistance program.

8.4. Deadlines for Submitting Documents

It’s essential to submit your verification documents by the deadline provided by the Health Insurance Marketplace. Failure to do so may result in a loss of financial assistance.

8.5. What Happens If Your Income Changes?

If your income changes during the year, it’s crucial to update your income estimate on the Health Insurance Marketplace. This will ensure that you receive the correct amount of premium tax credits and cost-sharing reductions. You can update your income estimate online or by contacting the Marketplace directly.

8.6. Consequences of Inaccurate Income Reporting

Reporting inaccurate income on your Marketplace application can have several consequences:

Loss of Financial Assistance: You may lose your eligibility for premium tax credits and cost-sharing reductions.
Repayment of Tax Credits: You may be required to repay any excess premium tax credits you received.
Penalties: You may be subject to penalties for providing false information.

8.7. Resources for Assistance

HealthCare.gov: The official Health Insurance Marketplace website provides detailed information on income verification.
Local Enrollment Centers: Local enrollment centers offer in-person assistance with the application and verification process.
Navigators and Certified Application Counselors: These professionals can provide free assistance with understanding and completing your Marketplace application.

By understanding the income verification process and submitting accurate documentation, you can ensure that you receive the correct amount of financial assistance and avoid potential issues with your health insurance coverage.

9. Common Mistakes to Avoid When Calculating MAGI

Calculating your Modified Adjusted Gross Income (MAGI) can be complex, and it’s easy to make mistakes that can affect your eligibility for premium tax credits and cost-sharing reductions. Here are some common mistakes to avoid:

9.1. Overlooking Taxable Income

One of the most common mistakes is overlooking certain types of taxable income, such as:

Self-Employment Income: Forgetting to include income from freelancing or operating a business.
Investment Income: Omitting dividends, interest, or capital gains.
Rental Income: Failing to include net rental income from rental properties.

9.2. Including Non-Taxable Income

Another common mistake is including non-taxable income in your MAGI calculation, such as:

Supplemental Security Income (SSI): Including SSI benefits, which are not taxable and not included in MAGI.
Child Support Payments: Counting child support payments received.
Veteran’s Benefits: Including certain veterans’ benefits that are not taxable.

9.3. Incorrectly Claiming Deductions

Claiming deductions incorrectly can also lead to an inaccurate MAGI calculation. Common mistakes include:

Overstating Business Expenses: Claiming more business expenses than you are entitled to.
Failing to Deduct Health Insurance Premiums: Not deducting health insurance premiums if you are self-employed.
Incorrectly Calculating Retirement Contributions: Miscalculating contributions to retirement plans.

9.4. Not Updating Income Estimates

Failing to update your income estimate on the Health Insurance Marketplace when your income changes can result in receiving too much or too little financial assistance.

9.5. Misunderstanding Tax Filing Requirements for Dependents

Misunderstanding whether a dependent is required to file a tax return can lead to errors in household income calculation. If a dependent is required to file a tax return, their MAGI is included in household income.

9.6. Not Keeping Accurate Records

Failing to keep accurate records of your income and expenses can make it difficult to calculate your MAGI accurately.

9.7. Ignoring Tax Law Changes

Tax laws can change from year to year, so it’s essential to stay informed about any changes that may affect your MAGI calculation.

9.8. Resources to Avoid Mistakes

IRS Publications: Consult IRS publications, such as Publication 525, for detailed information on taxable and non-taxable income.
Tax Preparation Software: Utilize tax preparation software to help you accurately report your income and calculate your MAGI.
Professional Advice: Seek assistance from a tax professional or financial advisor for personalized guidance.
HealthCare.gov: Refer to the official Health Insurance Marketplace website for information on calculating MAGI.

9.9. Seeking Expert Assistance

If you are unsure about how to calculate your MAGI, consider seeking assistance from a tax professional or financial advisor. These experts can provide personalized guidance and help you avoid common mistakes. You can also visit income-partners.net for resources and support.

By avoiding these common mistakes and utilizing available resources, you can ensure that your MAGI calculation is accurate, helping you to determine your eligibility for premium tax credits and cost-sharing reductions.

10. Frequently Asked Questions (FAQs) About Disability and Marketplace Insurance

Navigating the complexities of disability income and its impact on marketplace insurance can be confusing. Here are some frequently asked questions to help clarify the process:

10.1. Does Social Security Disability Insurance (SSDI) count as income for marketplace insurance?

Yes, SSDI is considered taxable income and is included in your Modified Adjusted Gross Income (MAGI) for marketplace insurance.

10.2. Is Supplemental Security Income (SSI) included in MAGI?

No, SSI is a needs-based program and is not considered taxable income. Therefore, it is not included in your MAGI.

10.3. How does disability income affect my eligibility for premium tax credits?

Disability income that is included in your MAGI can increase your overall income, potentially reducing the amount of premium tax credits you are eligible to receive.

10.4. Can I deduct my health insurance premiums if I am self-employed and receive disability income?

Yes, self-employed individuals can deduct their health insurance premiums, which can lower their AGI and, consequently, their MAGI.

10.5. What documents do I need to verify my disability income for marketplace insurance?

You may need to provide Social Security statements, W-2 forms, or other documentation to verify your disability income.

10.6. What happens if my disability income changes during the year?

You should update your income estimate on the Health Insurance Marketplace if your disability income changes. This will ensure that you receive the correct amount of financial assistance.

10.7. Are there any tax deductions that can lower my MAGI if I receive disability income?

Yes, you can take advantage of eligible deductions, such as IRA contributions and student loan interest payments, to lower your AGI and, consequently, your MAGI.

10.8. Where can I find more information about calculating MAGI for marketplace insurance?

You can find more information on the Health Insurance Marketplace website (HealthCare.gov) or consult a tax professional or financial advisor.

10.9. How do cost-sharing reductions work with disability income?

Cost-sharing reductions are available to individuals with MAGI between 100% and 250% of the federal poverty level. If your disability income increases your MAGI above this threshold, you may not be eligible for cost-sharing reductions.

10.10. Can I get help applying for marketplace insurance if I have disability income?

Yes, you can get help from local enrollment centers, navigators, and certified application counselors. These professionals can provide free assistance with understanding and completing your Marketplace application.

Understanding these FAQs can help you navigate the complexities of disability income and its impact on marketplace insurance. For more resources and support, visit income-partners.net.

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