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

Most lawfully present immigrants can usually 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 ($15,650 for a single adult or $32,150 for a family of four) in 2026 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. However, starting in 2027, certain other lawfully present immigrants will no longer be eligible for subsidized Marketplace coverage.

Many lawfully present immigrants cannot enroll in Medicaid until they have been in the United States with qualified status for five or more years. Individuals who are ineligible for Medicaid due to immigration status are not eligible for subsidized Marketplace coverage

Undocumented immigrants and DACA recipients 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.