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  • Writer's pictureAhsan Malyk

Who is Eligible For Obamacare 2023?

Health insurance can be expensive, especially if your employer does not provide it as a benefit.


The Patient Protection and Affordable Care Act, also referred to as the Affordable Care Act, ACA, or, more frequently, Obamacare, is a 2010 health reform law.


Three key objectives of the comprehensive ACA law are:


  • Make more people eligible for affordable health insurance.

  • Increase the Medicaid budget.

  • Support cost-effective medical care delivery.


Obamacare provides numerous consumer protections. By providing coverage for those with pre-existing ailments, the law defends you. Additionally, the law mandates that health plans permit adults under the age of 26 to remain on a parent's health insurance plan and that preventative treatment be covered without a deductible.


Who is Obamacare?


Obamacare aims to make healthcare accessible to all people, regardless of their financial situation. Obamacare allows people to purchase health insurance regardless of their financial level.


You may be eligible for a premium tax credit or other special subsidies that will lower the cost of your health insurance if your family income is between 100% and 400% of the federal poverty level (FPL).


Who doesn't qualify for Obamacare?


Obamacare makes healthcare coverage available to the vast majority of Americans. There are, however, certain exceptions.


Obamacare is not available to you if:


  • You do not reside here.

  • You are detained.

  • You are not an American national, citizen, or have permission to be in the country.

  • You have Medicare coverage.


You may also be eligible for Obamacare if you are not a citizen or national of the United States but are lawfully resident in the country and your immigration status is one of the following:


  • legal permanent resident or holder of a green card

  • Refugee

  • Asylee

  • Haitian or Cuban participant

  • paroled immigrant admitted to the U.S.

  • immigrants who received conditional admission prior to 1980

  • abused partner, kid, and parent

  • Including a partner, kid, sibling, parent, or child of a victim of trafficking

  • Those who have been given a stay of removal or a stay of deportation pursuant to immigration statutes, the Convention against Torture, or other laws prohibiting torture

  • Status as a non-immigrant, including that of persons with work permits and student visas

  • Temporary protection against harm (TPS)

  • enforced departure with a delay (DED)

  • status under deferred action, but not DACA (Deferred Action for Childhood Arrivals) (DACA)

  • a legitimate transient

  • Those having a U.S. Department of Homeland Security administrative order delaying their removal

  • a Canadian-born American Indian or a member of an Indian tribe with federal recognition

  • American Samoan national

What is the minimum income requirement for Obamacare?


Under Obamacare, anybody can get health insurance, but individuals whose household incomes are between 100% and 400% of the FPL may be eligible for financial aid that lowers premiums and out-of-pocket expenses.


According to federal poverty criteria for 2023, a family of four would be eligible for aid with a household income between $27,750 and $111,000 per year. If a single person made between $13,590 and $54,360, they would be eligible for subsidies. (Alaska and Hawaii have greater federal poverty levels.


What criteria must one meet to be eligible for Obamacare?


Obamacare is available to you if:


  • reside in the USA

  • Are a U.S. national, U.S. citizen, or are presently residing legally in the U.S.

  • have not been imprisoned

  • have no Medicare coverage


How do I make an Obamacare application?


Obamacare enrollment can be done in a variety of ways, including alone, with an ACA navigator, or through an agent or broker. One can:


  • Enrol at healthcare.gov online.

  • To obtain local assistance with a navigator, agent, or broker, use the "find local help" feature. Services are provided without charge, and all are trained to guide you through the market process.

  • Use the website of a qualified enrollment partner, such as a private health insurance provider, to submit your application.

How much a month does Obamacare cost?


The American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2023 will make the Affordable Care Act more affordable than ever during the 2023 coverage year. Four out of five consumers will be able to select a plan that costs $10 or less each month, thanks to new financial support with premiums.


Depending on where you live, how much money you make, how many people live in your family, which plan you select, and how much of a premium tax credit you receive, your premium—or the amount you would pay monthly for Obamacare—will vary.


The "metal tiers" that make up most ACA plans define how you and your plan will divide the cost of healthcare.


What if Obamacare is too expensive for me?


Check to determine if you are eligible for Medicaid, a state-based insurance programme, if you cannot afford Obamacare. You may check if you are Medicaid-eligible using the information from your Obamacare application.


All 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and the five U.S. territory with a permanent population (American Samoa, Guam, the Northern Mariana Islands, and American Samoa) all have Medicaid programmes. Depending on your household income, the size of your family, and other considerations, you can be eligible for Medicaid.


Some states have expanded Medicaid under Obamacare to cover a group of people with marginally higher incomes.


Other free and low-cost choices, such as free clinics and community health centres, are available to you if you do not meet the Medicaid eligibility requirements and cannot afford any ACA health plan.


Can Obamacare be rejected?


Obamacare cannot be denied to you as long as you are eligible. This means that you are eligible to enrol in an ACA insurance plan if you are a legal resident of the United States, are not incarcerated, and are not a beneficiary of Medicare. Your plan might not be eligible for subsidies based on your income and other circumstances.


If you attempt to enrol outside of the annual open enrollment period, your application may be rejected. For most people, the open enrollment cutoff date for 2023 coverage is January 15, 2023. In most jurisdictions, the enrollment deadline is December 15, 2023 if you want your coverage to start on January 1, 2023.


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