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BidenCare Premium Tax Credits

Do You Qualify for The Premium Tax Credit?

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The Biden Care Tax Credit

Benefit from A Reduced Monthly Rate

The Biden Care Tax Credit is built on the progress made under Obama's 2010 Affordable Care Act, ensuring that more Americans have access to affordable healthcare insurance.

The Biden Care Tax Credit is a subsidy that is applied to your monthly insurance rate to lower monthly insurance costs and help Americans afford quality health insurance. This subsidy is paid for by the government as a part of new health care reform measures, so Americans may enjoy lower health care costs and can afford a wider range of health care options.

According to the 2020 Federal Poverty Line, in order to qualify for the Biden Care Tax Credit, your income must be between the following:

For residents of the United States living in contiguous states (states not including Alaska or Hawaii)

Persons in Household 48 Contiguous States and DC Yearly Household Income Range
1 $12,760 - $51,040
2 $17,240 - $68,960
3 $21,720 - $86,880
4 $26,200 - $104,800
5 $30,680 - $122,720
6 $35,160 - $140,640
7 $39,640 - $158,560
8 $44,120 - $176,480
9+ Add $4,480 for each additional household member past 8

Residents of the United States living in Alaska:

Persons in Household Alaskan Yearly Household Income Range
1 $15,950 - $63,800
2 $21,550 - $86,200
3 $27,150 - $108,600
4 $32,750 - $131,000
5 $38,350 - $153,400
6 $43,950 - $175,800
7 $49,350 - $198,200
8 $55,150 - $220,600
9+ Add $5,600 for each additional household member past 8

Residents of the United States living in Hawaii:

Persons in Household Hawaii Yearly Household Income Range
1 $14,680 - $58,720
2 $19,830 - $79,320
3 $24,980 - $99,920
4 $30,130 - $120,520
5 $35,280 - $141,120
6 $40,430 - $161,720
7 $45,580 - $182,320
8 $50,730 - $202,920
9+ Add $5,150 for each additional household member past 8

Within these income ranges, the lower your income, the more you are going to save every month on your health insurance rate. This means that a single income household earning $15,000 annually will receive a greater premium tax credit than a single income household earning $50,000, even though both are eligible within in the same group.

If your annual household income is lower than 138% of the above levels for your household size, then depending on which state you live in, you may be eligible for Medicaid. This is heavily dependent on individual states, as some states have expanded Medicaid access while others have refused to expand under the Trump administration.

Please look on the Federal Health Insurance Marketplace, check your state's exchange, or contact us to learn more.

For household incomes that fall closer to the central or upper areas of these ranges, you may be able to save money on out-of-pocket costs through additional subsidy programs. Click here to learn more.

What If My Income Changes After Enrolling in a Plan?

If you experience either a decrease or an increase to your household income, then you will be eligible for the Special Enrollment Period where you can easily update your current plan, or enroll into one that is more suitable for you.

These changes could either remove/reduce your Premium Tax Credit, or increase it depending on your income change.

In cases where you receive more for your Premium Tax Credit than you should have been paid, you will need to repay all overpayments during the tax season.

To see if you qualify, and to compare plans with an estimate of your Premium Tax Credit, please submit your zip code. You can contact us through our website or by dialing our phone number where you will be instantly connected to one of our experts.

How Does it Work?

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The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.