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The second and larger type of subsidy, the premium tax credits, apply to all ACA enrollees earning 100-400% of the FPL. [3] When premiums rise, so do the premium tax credit subsidies, to limit after-subsidy premiums to a specified percentage of enrollee income.
Because insurance plans for many households, especially those with older members, cost more than 9.6% of 400% of the poverty level, the ACA's original provisions for the PTC created a benefits cliff, whereby a household that saw an income boost that put them over the 400% line could see a big jump in the cost of their health insurance, turning ...
The state offers subsidies to discount insurance premiums provided by private companies through "Get Covered New Jersey," mostly based on income levels. The average amount of financial help for ...
Americans with incomes over 400% of poverty — those who make just above four times the poverty level, or $103,280 for a family of four — are eligible for the enhanced ACA insurance subsidies.
Households with (Modified Adjusted Gross) income of 100-250% of the Federal poverty level (FPL) may also receive cost-sharing subsidies if they are enrolled in a silver plan through a healthcare exchange. The subsidy reduces the amount a household must pay out-of-pocket. [3]
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