Income Limits for ACA

Income Limits

for ACA Premium Tax Credit Subsidies in 2018

The new federal poverty guidelines have been released and will be in effect for the 2018 Open Enrollment and Special Enrollment Periods for health insurance.

2018 Income Limits for Health Insurance Marketplace (healthcare.gov) Tax Credit Subsidies

  2017-2018 Federal Poverty Level (FPL) Guidelines
Family Size

Lowest eligible income*

100% FPL

Cost Share Reduction - Tier 1 limit

150% FPL

Cost Share Reduction - Tier 2 limit

200% FPL

Cost Share Reduction - Tier 3 limit

250% FPL

Highest eligible income

400% FPL

1 $12,060 $18,090 $24,120 $30,150 $48,240
2 $16,240 $24,360 $32,480 $40,600 $64,960
3 $20,420 $30,630 $40,840 $51,050 $81,680
4 $24,600 $36,900 $49,200 $61,500 $98,400
5 $28,780 $43,170 $57,560 $71,950 $115,120

Each add’l:

$4,180
$6,270
$8,360
$10,450 $16,720

 * This chart is only accurate for those in Federal Health Insurance Marketplace (healthcare.gov) states which have not expanded Medicaid. This chart is accurate for all states which Hummingbird Insurance offers coverage.

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Figures are based on Modified Adjusted Gross Income, or MAGI. For a completely different kind of article, we invite you to read "The Gift of the Magi" by O. Henry, or William Sidney Porter.

Eligible individuals and families with incomes between 100% and 400% of the FPL guidelines qualify for subsidies.

Simply put... 'the less income you have inside the box, the more help you get: it's a sliding scale'.

For more information, call us at 828-372-0101 or schedule a free consultation.

Healthcare.gov, or the Health Insurance Marketplace will begin to use the new guidelines in 2018 Open Enrollment, beginning on November 1, 2017 and until December 15, 2017. The guidelines will continue to be used for the remainder of the 2018 Special Enrollment Period as well.

The amount of tax credit subsidy and the health insurance plans available to enroll in will depend on family size and income. Cost-share reduction (CSR) or 'Silver Enhanced' plans are available between 100% and 250% FPL.

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Hummingbird has plans available from the top-rated insurance companies in The South!

Here at Hummingbird Insurance, we specialize in working with the Affordable Care Act (ACA) for those under age 65, Medicare and its myriad of options for those over age 65, and the new healthcare reform landscape for everyone, by:

(1) Helping individuals and families whom are eligible for tax credit subsidies save money on the Health Insurance Marketplace, or healthcare.gov

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(2) Offering free consultations to employers and businesses in analyzing the best options and decision for their unique situation. We will find the right coverage for your employees and their families, and at the right premiums for everybody.

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