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Do I qualify for Obamacare?

Do I qualify for Obamacare?

Health insurance can be costly — especially if you don’t have a job that offers health insurance as a benefit.

The patient protection is a 2010 health-reform law better known as the Affordable Care Act, ACA, and, often, Obamacare.

The comprehensive ACA law has three main goals:

1) Make affordable health insurance available to more people.

2) Expand the Medicaid program.

3) Support medical care delivery that reduces costs.

Obamacare offers many consumer protections The law protects you by offering coverage for people who have pre-existing conditions. The law also requires health plans to offer preventive care without out-of-pocket costs, and allow adults under the age of 26 to stay on a parent’s health insurance plan.

Who is Obamacare for?

Obamacare is designed to make healthcare affordable for people regardless of income. Individuals at all income levels can sign up for health insurance under Obamacare.

If you have a household income between 100% and 400%of the federal poverty level (FPL), you may qualify for a premium tax creditor special subsidies that will reduce health insurance costs.

Who is not eligible for Obamacare?

Most people who live in the U.S. are health care under Obamacare. However, there are exceptions.

You are not eligible for Obamacare if:

  • You do not live in the U.S.

  • You are incarcerated.

  • You are not a U.S. citizen, U.S. national, or lawfully present in the U.S.

  • You are covered by Medicare.

If you are not a U.S. citizen or national but lawfully present in the U.S., you also may qualify for Obamacare if your immigration status from the one of the following

  • Lawful permanent resident or green card holder

  • Refugee

  • Asylee

  • Cuban or Haitian entrant

  • Immigrant paroled into the U.S.

  • Immigrants granted conditional entrance before 1980

  • Battered spouse, child, and parent

  • Victim of trafficking, along with a spouse, child, sibling, or parent

  • Those granted withholding of deportation or withholding of removal, under the Convention against Torture and Other Cruel, Inhuman, or Degrading Treatment, or Punishment (CAT), or immigration laws

  • Non-immigrant status, including those with worker visas and student visas

  • Temporary protected status (TPS)

  • Deferred enforced departure (DED)

  • Deferred action status, excluding Deferred Action for Childhood Arrivals (DACA)

  • Lawful temporary resident

  • Those with an administrative order issued by the U.S. Department of Homeland Security that stays their removal

  • Member of a federally recognized Indian tribe, or an American Indian born in Canada

  • Resident of American Samoa

What is the income level to qualify for Obamacare?

While anyone can buy health insurance under Obamacare, those with household incomes between 100% and 400% of the federal poverty level (FPL) may qualify for financial assistance that reduces premiums and out-of-pocket costs.

Using 2021 federal poverty level, a family of four would qualify for subsidies with an income from $26,500 and $106,000. A single person would qualify for subsidies if they made between $12,880 and $51,520. (Federal poverty level amounts are higher in Alaska and Hawaii.)

What are the requirements to qualify for Obamacare?

You qualify for Obamacare if you:

  • Live in the U.S.

  • Are a U.S. citizen, U.S. national, or are lawfully present in the U.S.

  • Are not incarcerated.

  • Are not covered by Medicare.

How do I apply for Obamacare?

There are a number of ways to sign up on your own, with a navigator, as well as with an agent or broker. You can:

  • Enroll online through Use the find local help tool to locate in-person assistance in your area with a navigator, agent, or broker. All are trained to walk you through the marketplace process, and services are free.

  • Apply through the website of a certified enrollment partner, such as a private health insurance company.

  • Enroll by phone by contacting the market place call center at 800 This line is available 24 hours a day, 7 days a week — excluding holidays.

  • Complete and mail an application

How much does Obamacare cost monthly?

The Affordable Care Act will reach record affordability during the 2022 coverage year because of the American Rescue Plan Act of 2021. New financial assistance with premiums means that 4 out of 5 people will be able to find a plan for $10 or less per month.

Your premium, or the amount you might pay monthly for Obamacare, will vary depending upon where you live, your income, your household size, what plan you choose, and the amount of your premium tax credit.

Generally, ACA plans are organized into “metal tiers,” which determine how you and your plan split the cost of care.

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