Can immigrants get help paying premiums and/or cost-sharing for health insurance in the Marketplaces?

Ver en Español

Lawfully present immigrants can get tax credits to help pay premiums and cost-sharing for health insurance through the Marketplaces. Like citizens, they can get premium tax credits that vary on a sliding scale, based on income.  Generally, people must have income at least as high as 100% of the federal poverty level to qualify for premium tax credits. People can also qualify for cost sharing reductions if they make between 100% and 250% of the federal poverty level.  To get this help, they cannot be offered affordable health insurance through their job or be eligible for Medicaid.

Lawfully present immigrants who make less than 100% of the federal poverty level also can get help paying premiums and cost sharing for coverage through the Marketplaces if they cannot enroll in Medicaid due to immigration status. Many lawfully present immigrants cannot enroll in Medicaid until they have been in the United States with qualified status for five or more years.

Undocumented immigrants cannot receive help paying for premiums or cost sharing for Marketplace coverage and may not buy health insurance through the Marketplaces even at full cost.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

KFF Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270 | Email Alerts: | |

The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.