A comprehensive resource for information regarding healthcare coverage


Subsidy Qualifications:

The amount you save depends on your family size and how much your family earns.  In general, if your income falls within the following ranges you’ll qualify to save money on your premiums.

Expected 2015 gross income (before taxes) includes wages, tips, net profit from self-employment, interest, rental income and other investment income, most pensions, social security payments and alimony. This will be the amount called “Modified Adjusted Gross Income” or MAGI shown on your tax return in line 4 of Form 1040EZ, line 21 of 1040A or line 37 of form 1040. If your only income is from a job it is the number shown in box 1 of your W2 form. Include income of all dependents (for example a child’s summer earnings or dependents social security).

Subsidy Qualifications Chart 2015

Household SizeHousehold Income
Individual:$11,670 - $46,680
Family of 2: $15,730 - $62,920
Family of 3:$19,790 - $79,160
Family of 4:$23,850 - $95,400
Family of 5:$27,910 - $111,640
Family of 6:$31,970 - $127,880
Family of 7:$36,030 - $144,120
Family of 8:$40,090 - $160,360

Get a FREE Quote:


Contact us to get FREE enrollment and plan selection HELP!

FREE QUOTE How To Determine Income

Uninsured Fees:

Shared Responsibility payment:

The individual mandate requires individuals to have a minimum essential coverage or pay a penalty beginning in 2015.  To review what the mandated penalties are for the next 4 years please review the chart below:

Uninsured Penalties:

2014$96 per adult, $47.50 per child or 1% household income (Family max $285)
2015$325 per adult, $162.50 per child or 2% household income (Family max $975)
2016$695 per adult, $347.50 per child or 2.5% household income (Family max $2,085)
2017Penalties will increases based on the cost of living

Some individuals may qualify for an exemption so they will not be required to have coverage or pay a penalty.  These penalties are prorated for the months a person does not have coverage.

How can I get lower costs on Marketplace coverage?

3 ways to save on health care coverage:

  • You may be able to lower costs on your monthly premiums when you enroll in a private health insurance plan.  These plans all cover essential health benefits and pre-existing conditions (PREMIUM SUBSIDIES)
  • You may qualify for lower out-of-pocket costs for copayments and deductibles (PRODUCT SUBSIDIES)
  • You or your child may get free or low-cost coverage through Medicaid or CHIP.


For more information about each of these state run insurance options please click on the links below: