Health Care Insurance Reform Basics
Help with Your Costs

2016povertylevelchartHealth Care Reform – Helping to Make Health Insurance Affordable with Subsidized Health Insurance

If you make between 100% and 400% of the Federal Poverty Level (FPL), you may be able to get help with your health insurance costs. To get this help, you just need to purchase a plan through the Health Insurance Marketplace (Exchange). You may get help with your monthly premiums and / or out-of-pocket costs.


Affordable Health Insurance – Lowering Your Monthly Premiums

Individuals who make less than 400% of the FPL may qualify for Advance Premium Tax Credits (APTC). Unlike tax credits you claim when you file your taxes, these tax credits can be used right away to lower your monthly premium costs. If you qualify, you may choose how much advance credit payments to apply to your premiums each month, up to a maximum amount. If the amount of advance credit payments you get for the year is less than the tax credit you're due, you'll get the difference as a refundable credit when you file your federal income tax return. If your advance payments for the year are more than the amount of your credit, you must repay the excess advance payments with your tax return.

Affordable Health Care – Lowering Your
Out-of-Pocket Costs

Individuals who make less than 250% of the FPL may qualify for cost share reductions (CSRs). CSRs help with out-of-pocket costs. If you qualify, you can get the out-of-pocket costs of a Gold or Platinum plan for a Silver plan price.

 

Additional Help to Make Health Insurance Affordable

  • Dane County residents who make 100-150% of the FPL may qualify for additional help from HealthConnect through United Way of Dane County. Learn more about HealthConnect.
  • Rock ​County ​residents who make 100-150% of the FPL​ may qualify for additional help ​from Share + C​ARE through the Monroe Clinic Hospital Foundation. Learn more about Share + Care.
  • Individuals who make less than 100% of the FPL may qualify for BadgerCare Plus. Learn more about BadgerCare Plus.