Health Insurance
What is ACA health insurance and how do I qualify for subsidies?
ACA marketplace plans cover pre-existing conditions, all 10 essential health benefits, and have no benefit caps. Subsidies (premium tax credits) are available to households earning 100–400%+ of the federal poverty level. Enhanced subsidies cap premiums at 8.5% of income regardless of income level (2026). Self-employed people can deduct 100% of premiums from federal income tax.
Key Points
- ACA plans cover pre-existing conditions — required by law
- All 10 essential health benefits covered
- Subsidies available for households earning 100–400%+ of federal poverty level
- Enhanced subsidies cap premiums at 8.5% of income (2026)
- Open Enrollment: November 1 – January 15 each year
- Self-employed people can deduct 100% of premiums from federal income tax