Premium tax credits are available to U.S. citizens and lawfully present immigrants who purchase coverage in the Marketplace and who have income at least as high as 100% of the federal poverty level. Premium tax credits are also available to lawfully residing immigrants with incomes below 100% of the poverty line who are not eligible for Medicaid because of their immigration status. (Generally, immigrants must lawfully reside in the U.S. for five years before they can become eligible for Medicaid.)
In addition, to be eligible for the premium tax credits, individuals must not be eligible for public coverage—including Medicaid, the Children’s Health Insurance Program, Medicare, or military coverage—and must not have access to health insurance through an employer. (There is an exception in cases when the employer plan is unaffordable because the employee share of the premium exceeds 9.61% of the employee’s income in 2022. There is also an exception in cases where the employer plan doesn’t provide a minimum level of coverage.)
Five states supplement marketplace subsidies for their residents. In California, people with income up to 600 percent of the poverty line can qualify for additional state premium subsidies. In New Jersey, subsidies are increased for residents with income up to 400 percent of poverty. In Massachusetts, subsidies are increased for residents with income up to 300 percent of poverty. Connecticut supplements premium and cost sharing subsidies for eligible families with income between 160% and 175% of the poverty level. Vermont also supplements premium and cost sharing subsidies. Check these state marketplaces for more information.