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Financial Assistance
Tax Subsidy
There are tax credits and cost sharing reductions for individuals who qualify to help make insurance more affordable. The only way to qualify for any tax credits is through the Marketplace. The Marketplace will determine if you qualify and FCIS will help you understand what that means to you and how it works.

Individuals or families with incomes below 400 percent of the Federal Poverty Level (FPL) will qualify for the Advanced Premium Tax Credit. This credit can be applied directly to your monthly premium so you get the lower costs immediately.

  • 400 percent of FPL is currently $47,080 per year for an individual or $97,000 for a family of four. Below are estimated values and are subject to change.
  • The Advanced Premium Tax Credit is based on your income. The lower your income, the higher the tax credit.

When you get coverage through the Marketplace, you may also be eligible for cost-sharing reductions if your income is below 250 percent of the FPL, which means lower costs on deductibles, copayments and co-insurance. FCIS will help you understand if you qualify for a tax subsidy and how it works for you.

Federal Poverty Level Guidelines
Size of Household  100% 150% 250% 400%
1 $11,880                     $17,820 $29,700 $47,520
2 $16,020 $24,040 $40,050 $64,080
3 $20,160 $30,240 $50,400 $80,640
4 $24,300 $36,450 $60,750 $97,200
Each Additional        Person $4,140 $6,210 $10,350 $16,560
Coverage Information May Qualify for Cost Share Reductions May Qualify for Cost Share Reductions May Qualify for Advance Premium Tax Credits

What is a Tax Subsidy and How Does it Work?

FCIS will help you understand if you qualify for a tax subsidy and how it works for you.

Why FCIS?

Our focus is not just on the bottom line. Our primary goal in working with clients is helping them find the products and strategies that fit their needs and offer the best solutions based on coverage and budget. Our approach is informative and our practice is service-oriented.

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