Donate

Coverage Options:

Health care coverage and Employer-provided Insurance
Health care coverage and the Marketplace
Health care coverage and Medicaid CHIP
Health care coverage and medicare
Health care coverage and tricare
Health care coverage and veterans health

Your decision depends on your income, eligibility for other options and what you determine is best for you.

  • John will be uninsured in 2014 and will not have access to affordable employer-provided coverage. John earns 90% FPL. John can purchase insurance in the Marketplace but will not have access to tax credits or subsidies because his income will be too low. If John earned 450% FPL, he would be in the same situation (no tax credits or subsidies) because his income will be too high. If John instead earned 125% FPL, he would have access to tax credits and subsidies to purchase insurance in the Marketplace.

 

  • Karen will have access to affordable employer-provided insurance in 2014, but she has decided that she does not like the health insurance plan that her employer offers. She instead wants to purchase insurance in the Marketplace. Karen can purchase insurance in the Marketplace, but she will not have access to tax credits or subsidies, even if her income is in the right “range” (100%-400% FPL for tax credits and 100%-250% FPL for subsidies).

 

  • Elaine will have access to employer-provided insurance in 2014, but it will not be “affordable” according to the ACA’s requirements. Elaine can purchase insurance in the Marketplace and will have access to tax credits and subsidies because, although she has access to employer-provided insurance, it is not affordable. If Elaine’s income is in the right “range” (100%-400% FPL for tax credits and 100%-250% FPL for subsidies), so can access tax credits and subsidies.

 

Disclaimer. This website is a resource only and should be used for information purposes. Please work with your health care providers, insurance councilors, etc. to determine the best solution for you.


Sign up for E-mails, Dateline Magazine, and other ways to stay connected.