The ACA (Affordable Care Act), or Obamacare, is a 2010 U.S. law expanding healthcare access via Medicaid expansion, insurance marketplaces, subsidies, and protections like coverage for pre-existing conditions.

To qualify for ACA (Affordable Care Act) Marketplace services, your household income must generally fall between 100% and 400% of the Federal Poverty Level (FPL) —roughly $15,060 to $60,240 annually for a single person (2024 guidelines; higher for families). However, in states that expanded Medicaid under the ACA, eligibility for Medicaid starts at 138% of FPL, leaving ACA subsidies for those above that threshold. You must also be a U.S. citizen, national, or lawfully present immigrant (e.g., green card holders), and reside in the service area of a Marketplace plan.  

If your employer offers health coverage, you may still qualify for ACA subsidies only if the employer plan is deemed unaffordable (costing more than 9.12% of your income for self-only coverage) or doesn’t meet minimum value standards. Those eligible for Medicare, Medicaid, or CHIP typically cannot enroll in Marketplace plans.  

To apply, visit HealthCare.gov or your state’s exchange during Open Enrollment (Nov–Jan) or a Special Enrollment Period (triggered by life events like job loss, marriage, or relocation). Documentation includes proof of income (pay stubs, tax returns), citizenship/immigration status, and employer coverage details (if applicable). Subsidies lower monthly premiums, and cost-sharing reductions may reduce out-of-pocket expenses for lower-income households.  

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