Marketplace health insurance with premium tax credits
Private health plans, with tax credits that lower monthly premiums for many moderate-income households.
Apply on the official site ↗Goes to HealthCare.gov. Applying is free.
Who generally qualifies
People without affordable job-based coverage or Medicaid; tax credits depend on household income.
Exact income limits and rules are set by HealthCare.gov and can change. Check the official site for current details.
How to apply
- Shop and apply at HealthCare.gov during open enrollment (starts Nov. 1) or after a life change.
- Report expected income to get the right credit.
What to have ready
- Income estimate for the year
- Social Security numbers
- Current coverage information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. A tax break lowers what you owe. You don't pay it back.
- Who decides if I qualify?
- HealthCare.gov makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check HealthCare.gov for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with HealthCare.gov.