Who qualifies for ACA subsidies?
You generally qualify for ACA subsidies if you buy a plan through the Marketplace, are not eligible for other qualifying coverage (such as Medicare, Medicaid, or affordable job-based coverage), and your household income falls within the ranges the Marketplace uses to calculate the Premium Tax Credit, according to HealthCare.gov and IRS (2026).
More on this topic: subsidies and costs
What the government has said, on the record
Here's how a federal official described it, on the record:
“To be eligible for the premium tax credit, your household income must be at least 100 percent and, for years other than 2021 and 2022, no more than 400 percent of the federal poverty line for your family size, although there are two exceptions for individuals with household income below 100 percent of the applicable federal poverty line.”
— Internal Revenue Service, Internal Revenue Service (U.S. Department of the Treasury), IRS, Eligibility for the Premium Tax Credit (source)
Editor's note: From official IRS guidance. Thresholds and rules change by tax year — confirm current details at IRS.gov and consult a tax professional.
Who said this
Internal Revenue Service · Internal Revenue Service (U.S. Department of the Treasury)
Also asked as
- Who is eligible for ACA subsidies?
- Do I qualify for Obamacare subsidies?
Sources
Last verified: 2026-07-19