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 ($15,060 for a single adult or $31,200 for a family of four) in 2025 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.