Obamacare News Blog

4 Easy Steps to Get Covered Under ObamaCare

We know how complicated this whole ObamaCare Exchange process can be, so we created a 4-Step Affordable Care Act guide.


This guide will help you to learn if you qualify for subsidies, get a quote, and fill out an application all for the ACA Bronze, Silver, Gold, and Platinum plans.

Step One: See if You Qualify for Premium Subsidies

Before deciding on a plan you want to first check if you are eligible for premium subsidies.

People in Household Monthly Premium Tax Credit Eligibility Per Income**
1 $45,960 or less*
2 $62,040 or less*
3 $78,120 or less*
4 $94,200 or less*
5 $110,280 or less*
6 $126,360 or less*

Step Two: See if You Qualify for Cost-Sharing Subsidies

After you find out if you qualify for premium subsidies, now you want to learn if you qualify for cost-sharing subsidies for help with your deductible, coinsurance, and copays.

People in Household Cost-Sharing Tax Credit Eligibility**
1 $28,725 or less*
2 $38,775 or less*
3 $48,825 or less*
4 $58,875 or less*
5 $68,925 or less*
6 $78,975 or less*

*The less refers to the minimum you have to make to qualify. For states that didn’t expand Medicaid for a single person it is: $11,490. In states that expanded Medicaid, the minimum income for subsidies is $15,856. Both figures are for 2014.

**Remember your tax credit eligibility is based off of your age, region, and income. Some don’t qualify for subsidies even if income falls within federal eligibility standards. Check with your agent to make sure you qualify.

Step Three: Get an ACA Quote

After you learn where you fall on the subsidy chart, now learn your cost by calling 800-930-7956. If you qualify for a subsidy, you’ll want to purchase an on-Exchange known as the ACA Bronze, Silver, Gold, and Platinum plans.

In the future we will have an online quote button (as you know the online systems are not working so well), for now call 800-930-7956 to get your quote.

Step Four: Apply Today for ACA Plans

If you’re ready to apply, click to access ObamaCare Application in your state. For any questions call the number above.

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