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Income-Based Costs

How much you pay each month for health insurance can be based on your annual household income. This sample chart shows different income levels relative to household size and a measurement called the Federal Poverty Level (FPL).


annual-income

 

monthly-premiums

For example, if you’re a family of four in the 200% FPL (meaning 200% of the number that the federal government designates as “living in poverty” for that size family) group, you earn approximately $47,100 per year and you’ll be paying about $247 a month for insurance for your entire family if you choose the Silver plan.

People will be eligible for different federal subsidies and financial help from the federal govermnet based on their household income. One of the federal subsidies available is called an Advance Premium Tax Credit (APTC). Once you fill out your application, we’ll tell you if you qualify for the credit. If you do qualify, the credit will go directly to the insurance company so you will be paying less on your monthly bills right from the start.

Cost Sharing Reductions (CSRs) are another federal subsidy that is applied to lower your out-of-pocket healthcare costs. Individuals and families who make less than 250% of the Federal Poverty Level ($27,295 for an individual and $57,625 for a family of four) are eligible to receive CSRs.

Please check back for updated cost information based on 2015 rates.