What Are the Income Limits for Healthcare.gov in 2025?

Understanding the income limits for Healthcare.gov can be a game-changer in accessing affordable health insurance, and at income-partners.net, we are committed to helping you navigate these complexities. By exploring partnership opportunities and leveraging our resources, you can find innovative ways to manage your income and secure the healthcare coverage you need. Ready to explore health coverage eligibility, financial assistance, and premium tax credits?

1. What Income Level Qualifies for the Affordable Care Act (ACA)?

Determining the income level that qualifies for the Affordable Care Act (ACA) involves understanding the interplay between the Federal Poverty Level (FPL) and eligibility for subsidies. Generally, to qualify for premium tax credits and cost-sharing reductions through the Health Insurance Marketplace, your household income must fall within a certain range relative to the FPL. Let’s delve into the specifics.

Typically, individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) may be eligible for premium tax credits. For 2025 coverage, this means that for a single individual, the income range would generally be between $15,060 and $60,240, while for a family of four, the range would be between $31,200 and $124,800. However, the Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria.

It is essential to note that these figures are based on estimates and may vary depending on your specific circumstances and location. Several factors can influence your eligibility and subsidy amount, including household size, age, location, and the cost of benchmark health plans in your area.

For more detailed information and personalized assistance in determining your eligibility, it’s recommended to visit Healthcare.gov or consult with a qualified healthcare navigator or assister. These resources can provide accurate information and guidance tailored to your individual needs and circumstances.

2. How Does the Inflation Reduction Act (IRA) Affect Income Limits?

The Inflation Reduction Act (IRA) has significantly impacted the income limits for accessing subsidies through the Health Insurance Marketplace. By extending enhanced subsidies, the IRA has broadened eligibility and increased financial assistance for many Americans. Let’s explore the specific ways in which the IRA affects income limits and subsidy availability.

The Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria. It extended the enhanced subsidies initially introduced by the American Rescue Plan Act (ARPA) through 2025. These enhanced subsidies increase the amount of financial assistance available to eligible individuals and families, making coverage more affordable for a broader range of income levels.

One of the key provisions of the IRA is the continuation of enhanced premium tax credits, which help lower monthly premium costs for individuals and families purchasing coverage through the Marketplace. According to the Kaiser Family Foundation, the IRA has prevented significant premium increases for millions of Americans and has expanded coverage to those who were previously ineligible due to income constraints.

Furthermore, the IRA has eliminated the “subsidy cliff,” which previously limited subsidy eligibility for individuals and families with incomes above 400% of the Federal Poverty Level (FPL). This means that more people are now eligible for financial assistance, regardless of their income level.

The impact of the IRA on income limits is substantial, as it expands access to affordable health coverage for a greater number of Americans. By providing enhanced subsidies and eliminating income-based restrictions, the IRA helps ensure that more individuals and families can access the healthcare they need without facing undue financial hardship.

3. What is the Income Limit to Qualify for Obamacare Subsidies in 2025?

The income limit to qualify for Obamacare subsidies in 2025 depends on household size and the Federal Poverty Level (FPL). Obamacare, officially known as the Affordable Care Act (ACA), provides subsidies in the form of premium tax credits and cost-sharing reductions to help eligible individuals and families afford health insurance coverage purchased through the Health Insurance Marketplace.

For 2025, individuals and families with incomes between 100% and 400% of the FPL may be eligible for premium tax credits. This means that for a single individual, the income range would generally be between $15,060 and $60,240, while for a family of four, the range would be between $31,200 and $124,800. However, the Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria.

Premium tax credits can be used to lower your monthly premium payments, making health insurance more affordable. Additionally, individuals with incomes between 100% and 250% of the FPL may also qualify for cost-sharing reductions, which help lower out-of-pocket costs such as deductibles, copayments, and coinsurance.

It’s important to note that these income limits are subject to change each year based on updates to the FPL. Additionally, eligibility for subsidies may depend on other factors such as household size, age, and location.

4. How is Household Income Calculated for Healthcare.gov?

Household income calculation for Healthcare.gov involves determining the Modified Adjusted Gross Income (MAGI) for all members of your household. This calculation is used to assess eligibility for premium tax credits and cost-sharing reductions, which help lower the cost of health insurance coverage purchased through the Health Insurance Marketplace.

Household income includes the income of the tax filer, their spouse (if married), and any dependents claimed on their tax return. The calculation is based on the Modified Adjusted Gross Income (MAGI), which includes wages, salaries, tips, self-employment income, interest, dividends, Social Security benefits, and certain other types of income.

The MAGI calculation starts with your Adjusted Gross Income (AGI), which is your gross income minus certain deductions such as student loan interest, IRA contributions, and self-employment taxes. Then, certain items are added back to the AGI to arrive at the MAGI. These add-backs may include non-taxable Social Security benefits, tax-exempt interest, and foreign earned income that was excluded from your income for tax purposes.

It’s important to accurately calculate your household income when applying for coverage through Healthcare.gov, as it directly impacts your eligibility for financial assistance. Underreporting income may result in owing money back when you file your taxes, while overreporting income may result in missing out on valuable subsidies.

Healthcare.gov provides resources and tools to help you estimate your household income accurately. You can also consult with a qualified tax professional or healthcare navigator for assistance in calculating your income and determining your eligibility for subsidies.

5. What Happens if My Income Changes During the Year?

If your income changes during the year, it’s essential to report these changes to Healthcare.gov as soon as possible. Changes in income can impact your eligibility for premium tax credits and cost-sharing reductions, potentially affecting the amount of financial assistance you receive.

When your income increases, you may become eligible for a lower amount of premium tax credits, which could result in higher monthly premium payments. Conversely, if your income decreases, you may become eligible for a higher amount of premium tax credits, which could lower your monthly premium payments.

Reporting changes in income to Healthcare.gov allows them to adjust your subsidy amount accordingly. This helps prevent overpayment or underpayment of premium tax credits, reducing the risk of owing money back when you file your taxes or missing out on valuable financial assistance.

You can report changes in income to Healthcare.gov by updating your information through your online account or by contacting the Marketplace call center. Be prepared to provide documentation of your income changes, such as pay stubs or tax returns.

It’s also important to note that if your income changes significantly during the year, you may need to re-evaluate your health insurance coverage options. Depending on your new income level, you may qualify for different types of plans or programs, such as Medicaid or the Children’s Health Insurance Program (CHIP).

6. What Are Premium Tax Credits and How Do They Work?

Premium tax credits are a type of financial assistance offered through the Health Insurance Marketplace to help eligible individuals and families afford health insurance coverage. These credits work by reducing the amount you pay in monthly premiums, making coverage more accessible and affordable.

Premium tax credits are designed to lower your monthly premium payments for health insurance plans purchased through the Marketplace. The amount of the credit you receive is based on your estimated household income for the year, as well as the cost of the benchmark plan in your area.

The benchmark plan is the second-lowest-cost silver plan available in your area. Your premium tax credit is calculated to cover the difference between the cost of the benchmark plan and the amount you can reasonably be expected to pay based on your income.

You can choose to have the premium tax credit paid directly to your insurance company each month, which lowers your monthly premium payments. Alternatively, you can choose to receive the tax credit when you file your taxes, which will reduce the amount of taxes you owe or increase your tax refund.

Premium tax credits are a valuable resource for individuals and families who need help affording health insurance coverage. By lowering monthly premium payments, these credits make it easier to access the healthcare you need without breaking the bank.

7. What Are Cost-Sharing Reductions (CSRs) and Who Qualifies?

Cost-sharing reductions (CSRs) are another type of financial assistance available through the Health Insurance Marketplace that help lower out-of-pocket healthcare costs for eligible individuals and families. Unlike premium tax credits, which reduce monthly premium payments, CSRs reduce the amount you pay for deductibles, copayments, and coinsurance when you receive medical care.

CSRs are designed to lower your out-of-pocket healthcare costs, such as deductibles, copayments, and coinsurance, when you receive medical care. These reductions are available to individuals and families with incomes between 100% and 250% of the Federal Poverty Level (FPL) who purchase a silver plan through the Health Insurance Marketplace.

When you qualify for CSRs and enroll in a silver plan, your out-of-pocket costs will be significantly lower than they would be with a standard silver plan. This means you’ll pay less when you go to the doctor, fill a prescription, or receive other medical services.

The level of CSRs you receive depends on your income. Individuals with lower incomes receive greater reductions in their out-of-pocket costs. For example, individuals with incomes between 100% and 150% of the FPL receive the highest level of CSRs, resulting in significantly lower deductibles and copayments.

CSRs are a valuable resource for individuals and families who need help managing their healthcare costs. By lowering out-of-pocket expenses, these reductions make it easier to access the medical care you need without facing undue financial hardship.

8. How Does the Federal Poverty Level (FPL) Relate to Healthcare.gov Subsidies?

The Federal Poverty Level (FPL) is a key factor in determining eligibility for subsidies through Healthcare.gov. The FPL is a measure of income issued annually by the Department of Health and Human Services (HHS) and is used to determine eligibility for various federal programs, including Medicaid and subsidies offered through the Health Insurance Marketplace.

The FPL is used as a benchmark to assess income eligibility for premium tax credits and cost-sharing reductions offered through Healthcare.gov. Generally, individuals and families with incomes between 100% and 400% of the FPL may be eligible for premium tax credits, while those with incomes between 100% and 250% of the FPL may also qualify for cost-sharing reductions. However, the Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria.

The specific FPL guidelines used for Healthcare.gov subsidies are updated annually and vary based on household size. For example, the FPL for a single individual is lower than the FPL for a family of four.

The FPL plays a crucial role in determining eligibility for financial assistance through Healthcare.gov. By using the FPL as a benchmark, Healthcare.gov ensures that subsidies are targeted to individuals and families who need them most, helping to make health insurance coverage more affordable and accessible.

9. What if My State Has Not Expanded Medicaid?

If your state has not expanded Medicaid, it can impact your eligibility for subsidies through Healthcare.gov. Medicaid expansion refers to the provision in the Affordable Care Act (ACA) that allows states to expand Medicaid eligibility to adults with incomes up to 138% of the Federal Poverty Level (FPL).

In states that have not expanded Medicaid, adults with incomes below the poverty level may not be eligible for Medicaid coverage. This can create a coverage gap for low-income individuals who do not qualify for Medicaid but also cannot afford private health insurance coverage through the Marketplace.

However, even if your state has not expanded Medicaid, you may still be eligible for subsidies through Healthcare.gov if your income falls within the eligible range. Premium tax credits are available to individuals and families with incomes between 100% and 400% of the FPL, regardless of whether their state has expanded Medicaid. However, the Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria.

It’s important to note that even in states that have not expanded Medicaid, certain groups may still be eligible for Medicaid coverage, such as children, pregnant women, and individuals with disabilities.

If you live in a state that has not expanded Medicaid and you have a low income, it’s essential to explore all available coverage options to ensure you have access to the healthcare you need. You can contact Healthcare.gov, your state’s Medicaid agency, or a qualified healthcare navigator to learn more about your coverage options and eligibility requirements.

10. Are There Different Income Limits for Different Types of Plans on Healthcare.gov?

No, there are generally not different income limits for different types of plans on Healthcare.gov. The income limits for eligibility for premium tax credits and cost-sharing reductions are the same regardless of the type of plan you choose.

Whether you select a Bronze, Silver, Gold, or Platinum plan, your eligibility for financial assistance is based on your household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% of the FPL may be eligible for premium tax credits, while those with incomes between 100% and 250% of the FPL may also qualify for cost-sharing reductions. However, the Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria.

However, it’s important to note that while the income limits for eligibility are the same across different types of plans, the amount of financial assistance you receive may vary depending on the plan you choose. Premium tax credits are calculated based on the cost of the benchmark plan in your area, which is the second-lowest-cost silver plan. If you choose a plan that is more expensive than the benchmark plan, you will need to pay the difference in cost.

Additionally, cost-sharing reductions are only available to individuals and families who enroll in a silver plan. If you choose a Bronze, Gold, or Platinum plan, you will not be eligible for cost-sharing reductions, regardless of your income.

While the income limits for eligibility are the same across different types of plans on Healthcare.gov, it’s essential to carefully consider your healthcare needs and budget when selecting a plan to ensure you choose the option that provides the best value for your individual circumstances.

11. How Do State-Specific Rules Affect Income Limits?

State-specific rules can influence income limits and eligibility criteria for healthcare subsidies and programs. While the Affordable Care Act (ACA) provides a federal framework for healthcare coverage, states have the flexibility to implement their own policies and regulations, which can impact income limits and access to financial assistance.

One way state-specific rules can affect income limits is through Medicaid expansion. States that have chosen to expand Medicaid eligibility to adults with incomes up to 138% of the Federal Poverty Level (FPL) may have different income limits for Medicaid coverage compared to states that have not expanded Medicaid.

Additionally, some states may offer their own state-funded subsidies or programs to help residents afford health insurance coverage. These state-specific subsidies may have different income limits and eligibility criteria than the federal subsidies offered through Healthcare.gov.

State regulations regarding the essential health benefits that must be covered by health insurance plans can also impact the cost of coverage and the amount of financial assistance needed to make coverage affordable.

It’s important to be aware of the state-specific rules and regulations that may impact your eligibility for healthcare subsidies and programs. Contact your state’s health insurance marketplace or Medicaid agency for more information about state-specific rules and how they may affect you.

12. What Are the Income Limits for Young Adults Under 26?

For young adults under 26, the income limits for healthcare subsidies through Healthcare.gov are generally the same as for older adults. Eligibility for premium tax credits and cost-sharing reductions is based on household income relative to the Federal Poverty Level (FPL), regardless of age.

Young adults under 26 may be eligible for premium tax credits if their household income falls between 100% and 400% of the FPL. However, the Inflation Reduction Act (IRA) has removed the upper income limit, so those with incomes above 400% FPL may still qualify for subsidies if they meet other criteria. They may also qualify for cost-sharing reductions if their income falls between 100% and 250% of the FPL and they enroll in a silver plan.

One important consideration for young adults under 26 is the option to remain on their parents’ health insurance plan. Under the ACA, young adults can stay on their parents’ health insurance plan until they turn 26, even if they are married, financially independent, or no longer living at home.

However, if a young adult is eligible for their own employer-sponsored health insurance plan, they may not be eligible for premium tax credits through Healthcare.gov, even if they are under 26.

Young adults under 26 should carefully consider their healthcare needs, budget, and coverage options when deciding whether to enroll in their own health insurance plan or remain on their parents’ plan.

13. How Does Marriage Affect Income Limits for Healthcare.gov?

Marriage can significantly affect income limits for Healthcare.gov subsidies, as it changes the household income calculation. When two individuals get married, their incomes are combined to determine their total household income, which is used to assess eligibility for premium tax credits and cost-sharing reductions.

For example, if two single individuals each earn $30,000 per year, they may both be eligible for premium tax credits as single individuals. However, if they get married, their combined household income would be $60,000, which may push them above the income limit for premium tax credits, depending on the Federal Poverty Level (FPL) for their household size.

In general, marriage can increase household income, which may reduce or eliminate eligibility for subsidies through Healthcare.gov. However, this is not always the case, as the impact of marriage on income limits depends on the specific income levels of the individuals involved and the FPL for their household size.

It’s important to consider the impact of marriage on income limits when making decisions about health insurance coverage. Married couples should carefully calculate their combined household income and compare it to the FPL to determine their eligibility for subsidies through Healthcare.gov.

14. Can Self-Employment Income Affect My Eligibility for Subsidies?

Yes, self-employment income can indeed affect your eligibility for subsidies through Healthcare.gov. When determining your eligibility for premium tax credits and cost-sharing reductions, Healthcare.gov considers your household’s Modified Adjusted Gross Income (MAGI), which includes income from various sources, including self-employment.

When calculating your self-employment income for Healthcare.gov purposes, you’ll typically need to report your net profit, which is your gross income from self-employment minus any allowable business expenses. These expenses can include deductions for things like business supplies, advertising, and home office expenses.

It’s important to keep accurate records of your self-employment income and expenses, as you’ll need to provide documentation to support your income when applying for coverage through Healthcare.gov. This documentation may include tax returns, profit and loss statements, and other financial records.

Self-employment income can be variable and unpredictable, which can make it challenging to estimate your income accurately when applying for subsidies. If your self-employment income fluctuates throughout the year, it’s important to update your income information with Healthcare.gov as your income changes to ensure you’re receiving the correct amount of financial assistance.

Consulting with a tax professional or financial advisor can help you accurately calculate your self-employment income and understand how it may affect your eligibility for subsidies through Healthcare.gov.

15. What Happens If I Underestimate My Income When Applying?

If you underestimate your income when applying for subsidies through Healthcare.gov, it can have significant consequences when you file your taxes. When you apply for premium tax credits, you’re estimating your income for the entire year. If your actual income ends up being higher than what you estimated, you may have received more financial assistance than you were entitled to.

When you file your taxes, the IRS will reconcile the amount of premium tax credits you received throughout the year with your actual income. If you received excess premium tax credits due to underestimating your income, you may have to pay back some or all of the excess credits when you file your taxes.

The amount you have to pay back will depend on how much you underestimated your income and the applicable repayment limits, which vary based on income level and household size. In some cases, the repayment amount can be substantial, potentially leading to a significant tax bill.

To avoid having to repay excess premium tax credits, it’s important to estimate your income as accurately as possible when applying for subsidies. If your income changes during the year, be sure to update your information with Healthcare.gov promptly to adjust your subsidy amount accordingly.

16. How Can I Estimate My Income Accurately for Healthcare.gov?

Estimating your income accurately for Healthcare.gov is crucial for determining your eligibility for subsidies and avoiding potential tax issues. Here are some tips to help you estimate your income accurately:

Gather your financial documents: Collect your most recent pay stubs, tax returns, and any other documents that provide information about your income.
Consider all sources of income: Be sure to include income from all sources, including wages, salaries, self-employment income, interest, dividends, Social Security benefits, and any other taxable income.
Account for deductions: Take into account any deductions you expect to claim, such as deductions for student loan interest, IRA contributions, or self-employment expenses.
Estimate consistently: Make sure you consistently consider monthly averages and annual totals.
Factor in changes: Consider any changes you expect to occur in your income during the year, such as a new job, a raise, or a change in work hours.
Use online tools: Utilize the online income estimation tools available on Healthcare.gov to help you calculate your estimated income.
Be conservative: When in doubt, it’s generally better to overestimate your income slightly rather than underestimate it. This can help you avoid receiving excess premium tax credits that you may have to repay later.

17. What Resources Are Available to Help Me Understand Income Limits?

Understanding income limits for Healthcare.gov can be complex, but fortunately, there are several resources available to help you navigate the process:

Healthcare.gov: The official website of the Health Insurance Marketplace provides comprehensive information about income limits, eligibility requirements, and how to apply for subsidies.
Kaiser Family Foundation (KFF): KFF offers a wealth of resources on healthcare policy, including detailed explanations of income limits for Marketplace subsidies.
Health Insurance Navigators: These trained professionals can provide free, unbiased assistance in understanding income limits and applying for coverage through the Marketplace.
Certified Application Counselors (CACs): CACs are individuals who are trained and certified to help consumers enroll in coverage through the Marketplace. They can provide assistance in understanding income limits and completing the application process.
Tax Professionals: Tax professionals can provide guidance on calculating your income and understanding how it may affect your eligibility for subsidies through Healthcare.gov.

18. How Do Life Changes Affect My Income and Healthcare Subsidies?

Life changes can significantly impact your income and, consequently, your eligibility for healthcare subsidies. It is essential to report these changes to Healthcare.gov to ensure accurate subsidy calculations. Here are some life events that can affect your income and subsidies:

Job Loss or New Employment: A job loss can decrease your income, potentially increasing your subsidy amount. Conversely, starting a new job or receiving a raise can increase your income, potentially decreasing your subsidy amount.
Marriage or Divorce: As mentioned earlier, marriage can combine incomes, potentially affecting subsidy eligibility. Divorce can separate incomes, which may also impact subsidy eligibility.
Birth or Adoption of a Child: The addition of a child to your household can change your household size and income, affecting subsidy eligibility.
Changes in Self-Employment Income: Fluctuations in self-employment income can impact your overall income and subsidy eligibility.

When any of these life events occur, it is crucial to update your information with Healthcare.gov promptly. This ensures that your subsidy amount is adjusted accurately, helping you avoid overpayment or underpayment of premium tax credits.

19. What are the Long-Term Implications of Misreporting Income?

Misreporting income on your Healthcare.gov application, whether intentionally or unintentionally, can have serious long-term implications. Here are some potential consequences of misreporting income:

Repayment of Excess Premium Tax Credits: As mentioned earlier, if you underestimate your income and receive excess premium tax credits, you may have to repay those credits when you file your taxes.
Penalties and Interest: In addition to repaying excess credits, you may also be subject to penalties and interest charges from the IRS for underpaying your taxes.
Loss of Eligibility for Future Subsidies: Intentionally misreporting income to receive subsidies you’re not entitled to could result in the loss of eligibility for future subsidies through Healthcare.gov.
Legal Consequences: In cases of intentional fraud or misrepresentation, you could face legal consequences, including fines or even criminal charges.

Misreporting income on your Healthcare.gov application can have significant financial and legal consequences. It is essential to be honest and accurate when reporting your income and to update your information promptly if your income changes.

20. How Does Income-Partners.Net Support Individuals in Navigating Healthcare.Gov Income Limits?

At Income-Partners.net, we understand the complexities of navigating healthcare options and income limits. While we don’t directly provide healthcare advice, we focus on empowering you to increase your income through strategic partnerships and business ventures. This can help you better afford healthcare coverage, regardless of income limits.

We provide resources and opportunities to help you:

Increase Your Income: Discover partnership opportunities, business ventures, and investment strategies to grow your income and financial stability.
Navigate Financial Challenges: Access tools and resources to manage your finances and make informed decisions about healthcare coverage.
Connect with Experts: Network with financial advisors and business professionals who can provide personalized guidance and support.

By focusing on income growth and financial empowerment, Income-Partners.net helps you take control of your financial future and access the healthcare coverage you need.

Ready to explore partnership opportunities, learn new business strategies, and connect with like-minded professionals? Visit income-partners.net today and take the first step towards financial independence and access to quality healthcare. Address: 1 University Station, Austin, TX 78712, United States. Phone: +1 (512) 471-3434.

FAQ Section:

1. What is the income limit to qualify for the Affordable Care Act (ACA)?

The income level that qualifies for the Affordable Care Act (ACA) involves understanding the interplay between the Federal Poverty Level (FPL) and eligibility for subsidies. Individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) may be eligible for premium tax credits.

2. How does the Inflation Reduction Act (IRA) affect income limits for Healthcare.gov subsidies?

The Inflation Reduction Act (IRA) significantly impacts the income limits for accessing subsidies through the Health Insurance Marketplace by extending enhanced subsidies, the IRA has broadened eligibility and increased financial assistance for many Americans.

3. What is the income limit to qualify for Obamacare subsidies in 2025?

The income limit to qualify for Obamacare subsidies in 2025 depends on household size and the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% of the FPL may be eligible for premium tax credits.

4. How is household income calculated for Healthcare.gov?

5. What happens if my income changes during the year?

6. What are premium tax credits and how do they work?

7. What are cost-sharing reductions (CSRs) and who qualifies?

Cost-sharing reductions (CSRs) are another type of financial assistance available through the Health Insurance Marketplace that help lower out-of-pocket healthcare costs for eligible individuals and families. These reductions are available to individuals and families with incomes between 100% and 250% of the Federal Poverty Level (FPL) who purchase a silver plan through the Health Insurance Marketplace.

8. How does the Federal Poverty Level (FPL) relate to Healthcare.gov subsidies?

The Federal Poverty Level (FPL) is a key factor in determining eligibility for subsidies through Healthcare.gov. The FPL is used as a benchmark to assess income eligibility for premium tax credits and cost-sharing reductions offered through Healthcare.gov.

9. What if my state has not expanded Medicaid?

If your state has not expanded Medicaid, it can impact your eligibility for subsidies through Healthcare.gov. In states that have not expanded Medicaid, adults with incomes below the poverty level may not be eligible for Medicaid coverage.

10. Are there different income limits for different types of plans on Healthcare.gov?