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FAQs: Health Insurance Marketplace and the ACA

Help Paying Marketplace Premiums: The Basics

Back to FAQs: Health Insurance Marketplace and the ACA

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My income is low enough that I qualify for advanced premium tax credits (APTCs), but I have never filed a federal tax return before. Can I still receive APTCs?

What happens if we want different Marketplace plans for different family members?

How do I apply for premium tax credits?

Should I claim a premium tax credit in advance or at the end of the year or some of both?

What are premium tax credits and how do they work?

Can I use the premium tax credit to reduce the cost of any Marketplace health plan? What about for health plans sold outside of the Marketplace?

Who is eligible for Marketplace premium tax credits?

My partner and I are unmarried. Can we buy a policy that covers us both? Are we counted as a household of two for financial assistance?

I entered estimated income information for next year on my Marketplace application. I expect my income next year will be much lower than it was this year because I had to change jobs. Healthcare.gov says there is a data match issue and I must verify my income. What does that mean?

Can a tobacco surcharge be covered by my premium tax credit?

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.