DawnM Posted October 26, 2022 Share Posted October 26, 2022 What I am seeing is that if you make $0, your premiums are still $285/mo for the cheapest option. Is this accurate? I thought there was some very low cost option somewhere, but I am not seeing it. I am helping a family member look into it. Thanks, Dawn Quote Link to comment Share on other sites More sharing options...
73349 Posted October 26, 2022 Share Posted October 26, 2022 I'm pretty sure it depends on what state you live in. 1 Quote Link to comment Share on other sites More sharing options...
Annie G Posted October 26, 2022 Share Posted October 26, 2022 (edited) Our state has not expanded Medicaid. So in Georgia you have to earn a certain amount to even qualify for ACA subsidies. For a married couple it’s around 17k, I believe. Our premium for both me and dh is under $100/month. (There are also plenty of options that cost more- like up to $600 or so) If we made closer to the 17k minimum our premium would be a dollar or two. The family actually has zero income? ACA uses MAGI, not the taxable amount after deductions. Edited October 26, 2022 by Annie G Quote Link to comment Share on other sites More sharing options...
Pawz4me Posted October 26, 2022 Share Posted October 26, 2022 (edited) 13 minutes ago, DawnM said: What I am seeing is that if you make $0, your premiums are still $285/mo for the cheapest option. Is this accurate? I thought there was some very low cost option somewhere, but I am not seeing it. I am helping a family member look into it. Thanks, Dawn I remember we're in the same state. Our state hasn't expanded Medicaid, and so a person needs to have a certain amount of earned income to be eligible for a subsidy through the ACA. I *believe* the amount here for a single person in 2022 is $12,880, but (obviously) check it yourself. Edited October 26, 2022 by Pawz4me 1 Quote Link to comment Share on other sites More sharing options...
Corraleno Posted October 26, 2022 Share Posted October 26, 2022 10 minutes ago, DawnM said: What I am seeing is that if you make $0, your premiums are still $285/mo for the cheapest option. Is this accurate? You have to have taxable income to qualify for an ACA subsidy, since it's actually a tax credit. Expansion of medicaid was supposed to cover people who don't have enough income, but unfortunately politicians in some states chose to screw the poor rather than do that. 1 1 Quote Link to comment Share on other sites More sharing options...
Starr Posted October 26, 2022 Share Posted October 26, 2022 In NY medicaid kicks in at some point. See what your state has to offer. Quote Link to comment Share on other sites More sharing options...
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