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2026 Health Insurance Subsidy Chart
Federal Poverty Levels
ACA (Obamacare) Income Limits
No Subsidy
Health Insurance
OFF Exchange
WITH Subsidy
Health Insurance
ON Exchange
Medicaid
Health Insurance
low income
NO Subsidy, WITH Subsidy, Medicaid [explanation] - click to open/close
1). WITH a Government Subsidy:
Where the Government helps you pay your premiums (You must qualify, based on your income and family size). If you want to apply for a Government subsidy you’ll be enrolling into a health insurance plan on the exchange, which is where you enroll.
2). With NO Government Subsidy:
You don’t qualify for a Government subsidy because you make too much money, OR you just don’t want a subsidy. No questions on income are required. If you want to buy your own plan without a Government subsidy, or know you won’t qualify for Government help because you make too much money each year, you can shop and enroll into health insurance “Off Exchange”, which means you are buying a health insurance plan in the private Market with no subsidy.
3). Medicaid:
Medicaid is a joint State/Federal health insurance program that is administered by the State. It provides health coverage for low-income individuals, especially pregnant women, children and the disabled. The Division of Welfare and Supportive Services (DWSS) determines eligibility for the Medicaid program.
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Verify if you qualify for a health insurance subsidy, are eligible for Medicaid, or prefer a private health plan without a subsidy.
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