QUESTION

How do I apply for premium tax credits?

Individuals with no coverage | How Premium Tax Credits And Cost-Sharing Reductions Work
ANSWER

On the health insurance marketplace website, you will find an Application for Health Coverage and Help Paying Costs. You can apply online, submit a paper application, or call your marketplace call center and apply over the phone. Free in-person help to apply for marketplace coverage and premium tax credits may be available through assisters with special marketplace training. A list of available assisters near you can be found here. You can also enroll with the help of an agent, broker or web-broker that is registered with the marketplace. Agents, brokers, and web-brokers typically receive compensation from health insurance companies for enrolling consumers. A list of available brokers and agents near you can be found here.

The Application will ask you basic information about yourself (and any family members who are applying for coverage with you) including your Social Security number and information about your citizenship or immigration status. It will also ask employment and income information, including what’s on your most recent income tax return. Once you’ve submitted the application, the marketplace will let you know if you qualify for help paying for Qualified Health Plans it offers. It will also let you know if you (or any members of your family) may be eligible for coverage through Medicaid or the Children’s Health Insurance Program.

To complete the Application for Health Coverage and Help Paying Costs online, you will need to create a secure personal account with a login ID and password. (45 C.F.R. § 155.305; HealthCare.gov, 5 ways to apply for health insurance).

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