How can I qualify for health care subsidies or discounts from the government?

According to the Congressional Budget Office, around 20 million U.S. families will qualify for government subsidized insurance. Starting in 2014, individuals and families that do not qualify for Medicaid will receive government subsidies when purchasing insurance from their state-run insurance exchange.

State-run insurance exchanges are competitive and transparent marketplaces for coverage designed to help individuals who are unemployed, self-employed, or who do not receive coverage from their employer purchase affordable coverage. Individuals and families that make up to four times the U.S. poverty level will be eligible for subsidized insurance – this threshold is around $30,000 for individuals and $88,000 for a family of four.

How the Amount of Help for Subsidized Health Care is Determined

Subsidies will be awarded on a sliding scale depending on income, meaning individuals will be responsible for covering between 2 and 9.5% of their income on insurance while the government covers the remainder of the costs. Individuals who make less will receive more help from the government while individuals with a higher income will be responsible for paying more of their insurance costs.

Individuals and families that make less than 133% of the US poverty level will be eligible to enroll in the Medicaid program.