About Health Subsidies

Health subsidy changes are new to most people.  They have many questions about how it works and whether a person is eligible.


The subsidy will generally be available for individuals and families who are U.S. citizens.

Up to 400% of the Federal Poverty Level

The subsidies are designed to help those that make up to 400% of the Federal Poverty Level afford health insurance.  Those amounts are located here.

The qualifications also have a “look back period”.  So, for example, your April 2013 tax filing (for 2012 income) will dictate your 2014 eligibility.  Anyone below or between 133% and 150% of the FPL may qualify for no-cost Medicaid.  From that baseline up to 400% of the FPL, you will likely be eligible for a health subsidy.  There is NO subsidy for those above 400% of poverty.   Click here for more details about the 400% Rule.

How much Health Subsidy can you Expect? (Hint: 9.5% of your income becomes a factor)

So, assuming you qualify for a health subsidy based on the 400% Rule of the FPL, how much will you receive?

There are two factors:

First, how much is the underlying health insurance plan premium itself?  This is dictated by your age, area and family composition.

The second factor is the 9.5% Rule, which means you shouldn’t have to pay more than 9.5% of your MAGI (Marginal Adjusted Gross Income) towards health insurance.  So, if you make $1,000 monthly in MAGI, your health insurance shouldn’t be more than $95/monthly.  As you go down the scale, the percentage actually drops lower than 9.5%.  If your health insurance is $400/monthly, your expected subsidy would be $305/monthly or more than $3600 annually.  We recommend using a Health Subsidy Calculator for an estimate.  


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Email: admin@idahoins.com

Address: 1650 S Albright, Boise, ID 83709


Open enrollment for individuals and families and annual enrollment for Medicare has ended.
Please contact us if you believe you qualify for a special enrollment period, have recently lost coverage, or are new to Medicare