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Health Team

Tutorial: Do I qualify for a health insurance subsidy?

Posted February 26, 2014

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— Looking for health insurance on the Affordable Care Act marketplace? Before filling out an application, there's quick and easy way to see if you qualify for a discount on your premium and which health plans are available to you and your family.

On the HealthCare.gov website, you can click on the "See Plans Before I Apply" link, then check the boxes that you're looking for health coverage for yourself or for your family.

Select North Carolina and your home county from the drop-down menus on the site and enter the ages of the people you want the health plan to cover. Then, enter your family's annual income and whether you're eligible for employer-sponsored coverage.

Click the green "Check If I Can Get Lower Costs" button to see if you're eligible for a tax credit to offset some or all of your monthly premiums.

Then, click on the "View Marketplace Plans" button to see how that discount is applied to various health plans offered through the online exchange in North Carolina.

The website provides an estimate of the subsidy. To get precise figures, you need to fill out an application for coverage.

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  • sbbeaudry Mar 4, 2014

    Unfortunately since North Carolina did not expand Medcaid, some of the lowest income people will receive no subsidy at all and be unable to afford health insurance. Tell your NC senator and representative and Gov. McCrory that you would like them to expand Medicaid so 500,000 North Carolinians can get health insurance and the care they need. By not expanding medicaid our tax dollars are going to help other states citizens to get health care, but not our own. the expansion would add jobs to NC and lots of money into our economy. The Federal government will pay 100% for the expansion for the first 3 years and 90% thereafter. Since the Feds only pay 70% now, there is no financial reason not to expand. The only reason is purely political rather than caring for North Carolinians.