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The Affordable Care Act (ACA), commonly known as Obamacare, has made health insurance more accessible to millions of Americans. However, understanding who qualifies for Obamacare can be confusing. At CFM Health Social, we’re here to simplify the process and help you determine if you or your family are eligible for ACA coverage.

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Five Main Elegibility Requirements

  1. General Eligibility Requirements
    To qualify for Obamacare in 2025, you must meet the following basic criteria:  
    – Age Range: You must be aged 18–64. Once you turn 65, you may qualify for Medicare instead.  
    – Residency: You must be a U.S. citizen or legal resident and reside within the United States.  
    – Income Level: Your household income must fall between 100% and 400% of the federal poverty level (FPL). This range determines your eligibility for premium tax credits and subsidies.  
    – Insurance Status: You cannot be enrolled in Medicaid, Medicare, or employer-sponsored insurance.
  2. Income Guidelines for 2025
    ACA subsidies are based on your household income and family size. Here’s a quick breakdown of the income limits for 2025:
    – For an individual: $14,580–$58,320 annually  – For a family of four: $30,000–$120,000 annually 

    *Pro Tip:* If your income is below 100% of the FPL, you might qualify for Medicaid in states that expanded Medicaid coverage.Special Enrollment Circumstances** 
  3. Even if you miss the Open Enrollment Period, you may still qualify for coverage under certain conditions, such as: 
    – Losing your current health insurance (e.g., job loss). 
    – Experiencing major life changes like marriage, divorce, or having a child. 
    – Moving to a new state or area with different coverage options.
  4. Why ACA Coverage is Ideal for Many  
    ACA plans are designed to make health insurance affordable and accessible. Benefits include: 
    – Subsidies to reduce monthly premiums. 
    – Cost-sharing reductions for lower out-of-pocket costs. 
    – Comprehensive coverage, including essential health benefits like preventive care, mental health services, and prescription drugs.
    5. How to Apply
    If you need help, the licensed agents at CFM Health Social are ready to guide you through the process.
    – Enter your household details, including income and family size.  
    – Compare plans and select the one that fits your needs and budget.  

    Call us at +1(708) 888-0509

 

“To ensure good health: eat lightly, breathe deeply, live moderately, cultivate cheerfulness, and maintain an interest in life.”Tomas Reuss

But health care and out-of-pocket expenses for Medicare participants are on the rise. If you’re concerned about your ability to pay unforeseen health care costs, you’ll probably find that the peace of mind a Medicare Supplement plan can provide is worth the cost. When it comes to reviewing and choosing a Medicare Supplement insurance plan, the decisions can be daunting. But you don’t need to be an expert because we’re here to help. Contact your agent or find an agent in your neighborhood for your free Medicare Supplement guide.