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Health Care Reform:

Health Insurance & Affordable Care Act

Financial Aid: Tax Credits and Subsidies

Can I Get a Tax Credit If I Get Insurance From an Employer?

In general, people who get insurance through an employer probably won't use a state Marketplace. And the Marketplace is the only place where this kind of financial aid is available.

Some people, though, may want to buy a health plan through a Marketplace even though an employer offers affordable insurance. In that case, the employee will not be eligible for tax credits or subsidies, even if the family's income falls within the ranges listed above.

In some cases, an employer's plan may not be affordable enough. If either of the statements below is true for you, you may enroll in a health plan in a state Marketplace:

  • None of the health plans available from your employer covers at least 60% of your average health care costs.
  • The cost of enrolling in a plan from your employer would cost more than 9.5% of your annual income.

If one of these statements is true and you do enroll, you may be eligible for a tax credit if your household income falls within the eligibility ranges listed above.

How Do I Get the Money From a Tax Credit?

When you sign up for health insurance in a Marketplace, you'll have a few choices for how you'd like to use the money from a tax credit.

  • You can use it in advance. In this case, you don't receive any money directly. Instead, the IRS sends a monthly payment to your insurance company to pay part of your premium. You pay the rest of the premium directly to your insurer.
  • You can split the money between premiums and a tax refund. You choose how much of the credit you want to go toward your premium each month. You get the rest of the credit as a tax refund.
  • You can pay all of the premium yourself and apply the tax credit to your taxes. When you file your taxes, you can subtract the full amount of your tax credit from the tax you owe. If you don't owe any taxes, then you'll get a bigger refund.

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