Married vs Single Filers: ACA Subsidy Rules Explained

You might think marriage only changes your marital status. But under ACA rules, it changes your subsidy math. Here’s how being married vs single affects your ACA subsidies. How ACA Subsidies Work: The Basics If you buy health insurance via the ACA marketplace, you may qualify for a premium tax credit (subsidy) to lower your […]

How Your Tax Return Affects ACA Subsidy Eligibility

Your tax return does more than settle your yearly bill with the IRS. It decides if you qualify for ACA subsidies and how much you get. Income, filing status, and household details on your return all shape your premium tax credit. Get it wrong, and you could face surprise repayments. Get it right, and you […]

State-Based ACA Subsidies: Which States Offer Extra Help?

Most people know about federal ACA subsidies. But some states go further. They offer state marketplace premium assistance or extra help (on top of federal help). These are called state ACA subsidies or additional state health insurance subsidies. State vs federal ACA subsidies matter. If your state offers extra help, your cost could drop more. […]

Can You Lose Your ACA Subsidies Mid-Year?

You can lose your ACA subsidies mid-year. Changes in income, household, or qualifying coverage can cause subsidy termination. You need to know what triggers this so you don’t end up owing money or losing help when you need it most. What Are ACA Subsidies & How They Work ACA subsidies are premium tax credits (also […]

5 Common Mistakes When Applying for ACA Subsidies

Applying for health insurance through the ACA marketplace can look simple, but small errors can cost you thousands. The ACA premium tax credit is meant to lower monthly costs, but only if your application is correct. This guide will show you the top ACA subsidy application mistakes, how to avoid subsidy denial, and the best […]