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"&amp;lt;p&amp;gt;Any of the following things will &amp;lt;em&amp;gt;disqualify&amp;lt;/em&amp;gt; you from receiving the premium tax credit health insurance subsidy even if you meet the income guidelines.&amp;lt;/p&amp;gt;&amp;lt;ol&amp;gt;&amp;lt;li&amp;gt;You &amp;lt;em&amp;gt;could have gotten&amp;lt;/em&amp;gt; affordable health insurance through your job.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;You\u2019re eligible for government-sponsored health insurance such as Medicare, Medicaid, Veterans Administration, or the Children\u2019s Health Insurance Program.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;You\u2019re not living in the United States legally.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;You\u2019re incarcerated.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;You\u2019re married and you file your taxes using any status other than married filing jointly. (There&amp;amp;#39;s a special exception to this rule if you&amp;amp;#39;re married but unable to file taxes jointly due to a situation involving domestic abuse.)&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;You can be claimed as a dependent on someone else&amp;amp;#39;s federal income taxes.&amp;lt;/li&amp;gt;&amp;lt;/ol&amp;gt;&amp;lt;p&amp;gt;People making between 100-400% of &amp;lt;a href=&amp;quot;https://www.verywell.com/federal-poverty-level-health-insurance-1738406&amp;quot; title=&amp;quot;Learn more about federal poverty level and health insurance subsidies. See what federal poverty level is.&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;1&amp;quot;&amp;gt;federal poverty level&amp;lt;/a&amp;gt; may qualify for a health insurance subsidy. If your modified adjusted gross income is more than 400% of FPL, you won\u2019t qualify for a health insurance subsidy even if the cost of buying health insurance overwhelms your modest budget.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;However, this doesn&amp;amp;#39;t mean you can&amp;amp;#39;t get a health insurance subsidy if you&amp;amp;#39;re wealthy. The subsidy is based on your income, not your assets or wealth. Learn more in &amp;amp;#34;&amp;lt;a href=&amp;quot;https://www.verywell.com/how-the-rich-can-get-subsidized-health-insurance-1738408&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;2&amp;quot;&amp;gt;How the Rich Can Get Government-Subsidized Health Insurance&amp;lt;/a&amp;gt;.&amp;amp;#34;&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Have just a little bit too much income to qualify, but feel like you still need help paying for health insurance? &amp;amp;#34;&amp;lt;a href=&amp;quot;https://www.verywell.com/how-to-lower-your-income-for-a-health-insurance-subsidy-1738404&amp;quot; title=&amp;quot;Learn how to lower your modified adjusted gross income without actually earning less money.&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;3&amp;quot;&amp;gt;How to Lower Your Income to Qualify for a Health Insurance Subsidy&amp;lt;/a&amp;gt;.&amp;amp;#34;&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;Even though it seems absurd, if you make less than 100% of FPL, you won\u2019t qualify for help paying for health insurance.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;When the Affordable Care Act was written, lawmakers intended to provide everyone making less than 133% of FPL with &amp;lt;a href=&amp;quot;https://www.verywell.com/medicaid-what-is-it-1738746&amp;quot; title=&amp;quot;What&amp;amp;#39;s Medicaid?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;1&amp;quot;&amp;gt;Medicaid&amp;lt;/a&amp;gt; coverage for free. They saw no need to provide a health insurance subsidy for the poorest of the poor since those folks would be covered by Medicaid. So, the law was worded to provide subsidies only to people making between 100% of FPL and 400% of FPL.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;However, a Supreme Court ruling allowed states to opt out of expanding Medicaid coverage to everyone making less than 133% of FPL. This left the poorest of the poor without help in states that chose to opt out of expanding Medicaid coverage. Since the subsidy only kicks in if you make between 100-400% of FPL, making less than 100% of FPL doesn\u2019t qualify you for a subsidy.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;This isn\u2019t a problem if you live in a state that expanded Medicaid coverage since you\u2019ll be given Medicaid for free if your income is below poverty level. But it really leaves you high and dry if you\u2019re among the poorest of the poor and live in a state that chose not to expand Medicaid. You won\u2019t get the Medicaid coverage originally intended by the Affordable Care Act, and you won\u2019t qualify for a subsidy to help you buy your own health insurance unless you can increase your income above 100% of FPL.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;&amp;lt;a href=&amp;quot;https://www.verywell.com/too-poor-insurance-subsidy-1738409&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;2&amp;quot;&amp;gt;Too Poor to Qualify for a Health Insurance Subsidy? What Now?&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;In this case, you &amp;lt;em&amp;gt;would&amp;lt;/em&amp;gt; qualify for a subsidy if health insurance were more expensive where you live, but the rates for health insurance in your area are low enough that you can pay them without paying more than the government feels you can afford.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;The amount of your health insurance subsidy is based on the difference between what the government expects you to contribute toward your health insurance premiums and the cost of the benchmark health plan in your area.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;How much you\u2019re expected to contribute toward the cost of your health insurance in 2015 is based purely on a mathematical formula :&amp;lt;/p&amp;gt;&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;Those with incomes from 100%-132% of FPL are expected to contribute 2.01% of their income.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those with incomes from 133%-149% of FPL are expected to contribute 3.02%-4.02% of their income.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those with incomes from 150-%-199% of FPL are expected to contribute 4.02%-6.34% of their\u00A0 incomes.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those with incomes from 200%-249% of FPL are expected to contribute 6.34%-8.10% of their income.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those with incomes from 250%-299% of FPL are expected to contribute 8.10%-9.56% of their income.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Those with incomes from 300%-400% of FPL are expected to contribute 9.56% of their income.&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;&amp;lt;p&amp;gt;&amp;lt;em&amp;gt;&amp;lt;sub&amp;gt;Source: &amp;lt;a href=&amp;quot;http://www.irs.gov/pub/irs-drop/rp-14-37.pdf&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;externalLink&amp;quot; data-ordinal=&amp;quot;1&amp;quot;&amp;gt;Revenue Procedure 2014-37&amp;lt;/a&amp;gt; IRS.gov (pdf)&amp;lt;/sub&amp;gt;&amp;lt;/em&amp;gt;&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;The benchmark plan is the second lowest priced &amp;lt;a href=&amp;quot;https://www.verywell.com/silver-plan-what-is-it-1738781&amp;quot; title=&amp;quot;What&amp;amp;#39;s a silver plan?&amp;quot; data-component=&amp;quot;link&amp;quot; data-source=&amp;quot;inlineLink&amp;quot; data-type=&amp;quot;internalLink&amp;quot; data-ordinal=&amp;quot;2&amp;quot;&amp;gt;silver plan&amp;lt;/a&amp;gt; available in your area. Your health insurance exchange can tell you which plan this is and what its premium is.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;So, let\u2019s say your expected contribution is $3,325 per year. If the cost of your area\u2019s benchmark plan is less than that, say only $3,300 per year, you won\u2019t qualify for a subsidy even though your income meets the guidelines.&amp;lt;/p&amp;gt;&amp;lt;p&amp;gt;It\u2019s not because you make too much money. It\u2019s because your expected contribution toward your health insurance would cover the entire cost of your area\u2019s benchmark plan. Health insurance in your area is priced low enough that the government feels you can afford it without a subsidy.&amp;lt;/p&amp;gt;"^^<http://www.w3.org/2001/XMLSchema#string>
<https://www.verywell.com/why-you-dont-qualify-for-a-health-insurance-subsidy-1738413>