Marketplace Facts
Residency and status: You must live in the U.S. and be a U.S. citizen, U.S. national, or a lawfully present immigrant.
Incarceration: You cannot be incarcerated in prison or jail.
Income: You cannot be eligible for Medicaid or Medicare. Your household income must be at least 100% of the FPL and not be eligible for other affordable coverage through an employer.
Tax credits: You may be eligible for tax credits to lower your premium costs if your income is between 100% and 400% of the FPL (about $25,820 to $103,280 for a family of three in 2025).
Married filing status: If married, you must file taxes jointly to be eligible for these tax credits.
Income: If you are in a state that has expanded Medicaid, you may be eligible if your income is at or below 138% of the FPL.
No pre-existing condition exclusions: Insurers cannot deny you coverage or charge you more because of a pre-existing condition.
No lifetime or annual limits: There are no lifetime or annual limits on essential health benefits.
Dependents: Young adults can stay on their parents' plan until they turn 26.