When can I apply for Marketplace premium tax credits when other coverage is available?

In general, if you have any of the following types of coverage, you would be ineligible for premium tax credits through the Marketplace:

  • Employer-sponsored coverage, unless the coverage is unaffordable (your required contribution to premium for self-only coverage costs more than 9.5% of household income) or does not meet minimum value (an actuarial value of less than 60%).  Special rules apply when the affordability of family coverage is a concern.
  • Government-sponsored coverage, including Medicare Part A coverage, Medicare Advantage plans, Medicaid coverage and the Children’s Health Insurance Program coverage, Veterans health coverage and TRICARE (coverage for members of the military)
  • Coverage for Peace Corps volunteers

Posted in: Help Paying Private Health Insurance Premiums