One of the most popular services, since it was included in the country’s health services, it is Obamacare. It has more than 40 million people registered. But, with such a high rate, many still question whether they qualify.
So, next, we want to clear those doubts. And if after reading the article you still have questions, you can call us at 866-600-7720. At Opportunity Insurance we are here to serve you and we know that having advice is important for this process.
Requirements to qualify in Obamacare
This subsidized service plan was created to guarantee as many people as possible the option of having insurance. As a general rule, your requirements are very simple; among them we have:
- Maintain a legal status within the United States
- Minimum income to declare at the end of the year
- Do not have a health policy with your employer
At a glance for many, these requirements are simple. However, some have doubts regarding the legal status and income they should have. For this reason, below we delve into these two requirements.
Legal immigration status
The list of legal statuses with which you can qualify to obtain your policy is very wide in the health insurance market. If you are an immigrant and have any of the following statuses, you may be eligible for Obamacare.
- Permanent Resident with Green Card
- Under conditional entry into the US
- Nonimmigrant status (work visa, H1, H2A, H-2B, student visa; U-visa, T-visa)
- Citizens of Micronesia, Marshall Islands and Palau.
- Cuban-Haitian participant.
- Person under conditional entry granted before 1980
- Temporary protected status
- Legal temporary resident
- Young special immigrant
- Victim of visa trafficking
- Legalization under the LIFE law
- Order of supervision
- Applicants through registration
If you have any of these you can be sure that you will be able to click for a health policy. On the other hand, if you have another type of document you can contact us and we will gladly give you information about it, as there are certain cases and exceptions.
Another very important requirement that applicants must meet is declared annual income. These amounts can be varied, however, there are several rules to calculate them.
In general measure the amounts oscillate in the following figures: 1 person $ 12,800, 2 people $ 17,420, 3 people $ 21,960, 4 people $ 26,500. However, each year these amounts may vary depending on each person and family and the subsidies that the government helps pay.
To determine what your income is, your insurance agent must make a calculation between your gross and your net, in which deductions and expenses are applied. Even if your salary is high, the valid amount for the insurance market will not be the gross but the net, in which the expenses have already been applied, and only the amount you are going to live with remains.
The most important thing is to have a valid type of income. In the case of those who win with w2, such as in casinos, the gross does apply there as the minimum amount to qualify, Well, no deductions are made to that amount, since it is your money.
Another point to remember is the tax return. Many who have not filed taxes are unable to obtain insurance. But it doesn’t matter if you haven’t been able to file taxes in the previous year, you still qualify if you already have the income to file in 2023.