Lower Costs

Financial Help may be available.

If you don’t have an offer of health insurance from an employer, you may be able to use an Advanced Premium Tax Credit to lower your monthly cost for Marketplace plans. The amount of tax credit you qualify for depends on your household size and income. If your income is between the amounts shown here, you may qualify for an Advanced Premium Tax Credit.

If your income is below a certain level, you may also qualify for Cost Sharing Reductions, which automatically lower the out-of-pocket costs associated with your plan, including your deductible or copayments.


Number in Household Income Range
Individual: $11,880 – $47,520
Family of 2: $16,020 – $64,080
Family of 3: $20,160 – $80,640
Family of 4: $24,300 – $97,200
Family of 5: $28,440 – $113,760
Family of 6: $32,580 – $130,320

To find out if you qualify for savings on health coverage, click here: healthcare.gov/lower-costs/qualifying-for-lower-costs

To get an estimate of your savings and the cost of your health coverage, click here: kff.org/interactive/subsidy-calculator