Do You Qualify for ACA Health Insurance Subsidies in Texas?
If you're shopping for health insurance in Texas, understanding whether you qualify for financial assistance under the Affordable Care Act (ACA) could save you hundreds—or even thousands—of dollars per year. These subsidies, also known as premium tax credits, are designed to help make health insurance more affordable for individuals and families across the state. Let’s break down who qualifies, how it works, and what you need to do to apply.
What Are ACA Subsidies?
ACA subsidies are financial assistance programs provided by the federal government to reduce the cost of monthly health insurance premiums. Depending on your income and household size, you may also qualify for additional cost-sharing reductions, which help lower your out-of-pocket expenses for things like deductibles, copays, and coinsurance.
Who Qualifies for ACA Subsidies in Texas?
In general, Texas residents qualify for ACA subsidies if:
- You apply for coverage through the Health Insurance Marketplace
- Your household income falls between 100% and 400% of the federal poverty level (FPL), although some people above that range may still qualify due to expanded subsidy rules
You are not eligible for Medicare, Medicaid, or employer-sponsored health insurance
As an example, for 2025, a single person earning between approximately $14,000 and $58,000 annually could be eligible for a subsidy. For a family of four, the range is roughly $30,000 to $120,000. These numbers adjust slightly each year.
How Much Could You Save?
The amount of your subsidy depends on your income, age, household size, and where you live in Texas. In many cases, qualified individuals and families can get a quality ACA health insurance plan for under $50 per month—sometimes even at no monthly cost. You’ll see your subsidy amount applied instantly when you shop for plans online.
How to Apply for Subsidies in Texas
- Gather Your Household Info: Have details ready for each family member you want to cover—birth dates, estimated income for the year, and your current insurance status.
- Visit the Health Insurance Marketplace: You can apply at Healthcare.gov or work with a local licensed agent.
- Get Help from an Independent Agent: Agents like Advanced Insurance Group can walk you through your options, estimate your subsidy, and help you complete your application correctly. There’s no cost for their help.
Why It Pays to Double-Check
Even if you didn’t qualify in the past, it’s worth checking again. Many people in Kerrville and across Texas are surprised to find they now qualify due to expanded rules or life changes like job loss, marriage, or retirement. If your circumstances change mid-year, you may be eligible for a Special Enrollment Period.
Ready to Find Out What You Qualify For?
Understanding your ACA subsidy eligibility can make all the difference in accessing affordable health care. Don’t guess—get expert help and see what you qualify for.
Contact Advanced Insurance Group today for a free consultation or to shop ACA health insurance plans online. We’re here to help you every step of the way.