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Qualifying for Lower Health Insurance Costs

The Affordable Care Act, or Obamacare, has helped millions of Americans attain quality health care at an affordable cost. Subsidies are an important part in making certain that health insurance is affordable, particularly for low and middle income households. Subsides are like "discounts" that are paid for by the government to help lower your monthly insurance rate and out-of-pocket costs.

Qualifying for a subsidy depends on your annual household income. Generally speaking, the lower your income, the more you will save. Qualification also depends on the type of subsidy.

There are two types of subsidies. The first type is the Premium Tax Credit. The Premium Tax Credit can greatly lower your monthly insurance rate. To qualify, your income must be at or as much as 4x the Federal Poverty Line. The Premium Tax Credit is available on all metal plans.

Learn more about qualifying for the Premium Tax Credit here.

The second are Cost Sharing Reductions. Cost Sharing Reductions are used to lower your out-of-pocket costs when receiving medical services, for expenses such as deductibles, copayments, and coinsurance. To qualify, your income must be at or as much as 2.5x the Federal Poverty Line. Cost Sharing Reductions are only available on Silver plans.

Learn more about qualifying for Cost Sharing Reductions here.

To see if you qualify for lower health insurance costs, please submit your zip code to begin checking your options.

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This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.