Understand the ACA Individual & Family Health Insurance Marketplace.

Save with Subsidies using the Affordable Care Act (ACA)

Learn how to get financial assistance for your new health plan.

We want to help you by connecting you to the right people, online tools and resources to find the best health plan for you.

Do you qualify for a subsidy for health insurance?

Thanks to the ACA (also known as Obamacare) everyone is now eligible for health insurance. This means your monthly premiums can be dramatically reduced.


Individual & Family health insurance market.

In the Individual & Family health insurance Marketplace, or exchange, the federal government provides subsidies to keep your costs affordable from year-to-year. As market costs adjust annually, so do the savings opportunities. That means when premiums go up, so does the available assistance to help cover them. You can think of it as a built-in safety net that flexes to keep your healthcare costs budget-friendly.

You may be eligible for health insurance subsidies based on:

  • Size of your household
  • Your household’s estimated income

Federal subsidies are Advance Premium Tax Credits (APTC) and are not available to people eligible for Medicaid or Medicare or who have affordable coverage through an employer. States use either the federally-facilitated marketplace, or their own state exchange to pass along savings. This is where Bright HealthCare is sold with subsidies that reduce your monthly health insurance premiums. If you have more questions, don't worry - we can help you determine whether you qualify.

IFP Special Enrollment
IFP Special Enrollment

Life can change pretty fast. Make sure you're covered!

Big life changes like having a baby or leaving an employer-sponsored health plan may make you eligible for a Special Enrollment Period. If you need insurance right now, see our plans or contact your broker for some great advice.

Find out more

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Contact an Expert

Talk to a friendly health insurance expert

Tired of talking to robots? Same here! Call us for help.


Contact a Broker
Contact a Broker

Our brokers are here to help.

Speak to a pro in your area to get the best plan for the best price.

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The Basics on Health Insurance Subsidies

The “Affordable Care Act” refers to the law that provides numerous rights and protections that make health coverage fair and easy to understand, along with subsidies, making it more affordable. It’s sometimes known as “PPACA,” “ACA,” or “Obamacare.” The law also established exchanges or marketplaces where you can see if you qualify to receive tax credits and cost sharing, shop for plans, and get help.

When the ACA was signed into federal law in 2010, it established a federal marketplace for all states, or it allowed for each state to create its own state marketplace. Subsidized Bright HealthCare plans are .

If you meet income-level qualifications, you may be eligible for Cost-sharing Reductions (CSR) on Silver-level plans only (The ACA marketplace uses metal tiers to describe plans, such as Gold, Silver, and Bronze.). With CSR plans, the government will help you out as your medical expenses grow. Specifically, the government subsidizes reductions of the maximum out-of-pocket limit as well as possible reductions in deductibles, coinsurance, or copayments.

Qualified Health Plans (QHP) are major medical plans that meet the requirement outlined in the Affordable Care Act (ACA), or Obamacare. These are the only plans that subsidies can be used with. QHPs are insurance plans that are certified by the government and provide essential health benefits (EHBs), and we offer them here at Bright HealthCare.

These are the 10 Essential Health Benefits categories:

  1. Ambulatory patient services.
  2. Emergency services.
  3. Hospitalization.
  4. Maternity and newborn care.
  5. Mental health.
  6. Prescription drugs.
  7. Telehealth.
  8. Laboratory services.
  9. Preventive and wellness services and chronic disease management.
  10. Pediatric services, including oral and vision care.

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