{"id":4771,"date":"2014-09-22T09:30:01","date_gmt":"2014-09-22T13:30:01","guid":{"rendered":"http:\/\/www.nchealthplans.com\/news\/?p=4771"},"modified":"2015-10-22T11:20:38","modified_gmt":"2015-10-22T15:20:38","slug":"who-qualifies-for-a-government-subsidy","status":"publish","type":"post","link":"https:\/\/www.nchealthplans.com\/news\/2014\/09\/who-qualifies-for-a-government-subsidy\/","title":{"rendered":"Who Qualifies for a Government Subsidy?"},"content":{"rendered":"<p style=\"text-align: left;\">To help make health care more affordable, the federal government offers advance premium tax credits, or subsidies, to low-to middle-income individuals and families. Your subsidy is an advance premium tax credit and is applied directly to your premium.\u00a0<a title=\"Government subsidies\" href=\"http:\/\/www.nchealthplans.com\/\" target=\"_blank\">Government subsidies<\/a>\u00a0reduce the amount you pay for your <a title=\"insurance plan\" href=\"http:\/\/www.nchealthplans.com\/Documents\/2014\/2014%20BROCHURE%20-%20Under%2065.pdf\" target=\"_blank\">insurance plan<\/a>.<\/p>\n<p style=\"text-align: left;\">To be eligible for a subsidy, you must meet certain requirements.<\/p>\n<ul style=\"text-align: left;\">\n<li>Be between 100% and 400% of the\u00a0federal poverty level\u00a0(FPL).<\/li>\n<li>Not eligible for public\u00a0coverage, such as Medicaid, the Children&#8217;s Health Insurance Program,\u00a0\u00a0Medicare or military coverage, such as Tricare.<\/li>\n<li>Not have access to\u00a0minimal\u00a0essential coverage\u00a0through an employer. (An exception\u00a0may be made if\u00a0your employer&#8217;s plan\u00a0does not\u00a0cover at least an average of 60% of covered benefits or if the\u00a0employee&#8217;s share of the premium is more than 9.5% of his or her income.\u00a0\u00a0Employers can tell you if their plans meet these criteria.)<\/li>\n<\/ul>\n<p style=\"text-align: left;\">Subsidies can be used on any plan you choose except for grandfathered plans and catastrophic plans for those under 30. How much of a subsidy you qualify for is based on income and household size.<\/p>\n<p>Our free<a title=\"BCBSNC Rate Quote\" href=\"https:\/\/www.bcbsnc.com\/assets\/shopper\/public\/quote\/index.htm#\/?pnumber=P0038147\" target=\"_blank\"><strong> BCBSNC Rate Quote <\/strong><\/a>offers a calculator to determine if a subsidy may be available to you.<\/p>\n<table class=\"aligncenter\" style=\"height: 584px;\" border=\"1\" width=\"870\" cellspacing=\"3\" cellpadding=\"0\" align=\"left\">\n<thead>\n<tr>\n<td style=\"text-align: right;\" colspan=\"5\"><b>\u00a02016 POVERTY\u00a0GUIDELINES FOR THE 48 CONTIGUOUS STATES AND THE DISTRICT OF COLUMBIA\u00a0\u00a0\u00a0 <\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Persons in\u00a0family\/household<\/b><\/td>\n<td><b>100% Poverty\u00a0guideline<\/b><\/td>\n<td><b>250% Poverty\u00a0guideline<\/b><\/td>\n<td><b>400% Poverty\u00a0guideline<\/b><\/td>\n<td><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">1<\/p>\n<\/td>\n<td style=\"text-align: center;\">$11,770<\/td>\n<td style=\"text-align: center;\">$29,425<\/td>\n<td style=\"text-align: center;\">$47,080<\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">2<\/p>\n<\/td>\n<td style=\"text-align: center;\">$15,930<\/td>\n<td style=\"text-align: center;\">$39,825<\/td>\n<td>\n<p style=\"text-align: center;\">$63,720<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">3<\/p>\n<\/td>\n<td style=\"text-align: center;\">$20,090<\/td>\n<td style=\"text-align: center;\">$50,255<\/td>\n<td>\n<p style=\"text-align: center;\">$80,360<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">4<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$24,250<\/p>\n<\/td>\n<td style=\"text-align: center;\">$60,625<\/td>\n<td>\n<p style=\"text-align: center;\">$97,000<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">5<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$28,410<\/p>\n<\/td>\n<td style=\"text-align: center;\">$71,025<\/td>\n<td>\n<p style=\"text-align: center;\">$113,640<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">6<\/p>\n<\/td>\n<td style=\"text-align: center;\">$32,570<\/td>\n<td style=\"text-align: center;\">$81,425<\/td>\n<td>\n<p style=\"text-align: center;\">$130,280<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">7<\/p>\n<\/td>\n<td style=\"text-align: center;\">$36,730<\/td>\n<td style=\"text-align: center;\">$91,825<\/td>\n<td>\n<p style=\"text-align: center;\">$146,920<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">8<\/p>\n<\/td>\n<td style=\"text-align: center;\">$40,890<\/td>\n<td style=\"text-align: center;\">$102,225<\/td>\n<td>\n<p style=\"text-align: center;\">$163,560<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">For each additional person, add:<\/td>\n<td style=\"text-align: center;\">$4,020<\/td>\n<td style=\"text-align: center;\">$10,050<\/td>\n<td>\n<p style=\"text-align: center;\">$16,080<\/p>\n<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>For more information on <a href=\"https:\/\/www.bcbsnc.com\/assets\/shopper\/public\/quote\/index.htm#\/?pnumber=P0038147\" target=\"_blank\">Blue Cross Blue Shield of North Carolina <\/a>insurance coverage, the Marketplace and healthcare gov to apply for your subsidy, please visit our website at <a href=\"http:\/\/www.nchealthplans.com\" target=\"_blank\">www.nchealthplans.com <\/a>or call our toll free number 888*765-5400 and speak with one of our experienced and professional agents.\u00a0 Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as <a href=\"http:\/\/www.nchealthplans.com\/?from=blog\" target=\"_blank\">Obama care<\/a>.<\/p>\n<p><span style=\"color: #000000; font-family: Calibri;\"><span style=\"color: #333333; font-family: Georgia;\">\u00a0<\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To help make health care more affordable, the federal government offers advance premium tax credits, or subsidies, to low-to middle-income individuals and families. Your subsidy is an advance premium tax credit and is applied directly to your premium.\u00a0Government subsidies\u00a0reduce the amount you pay for your insurance plan. To be eligible for a subsidy, you must [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[560,14],"tags":[525,23,638,642],"class_list":["post-4771","post","type-post","status-publish","format-standard","hentry","category-affordable-care-act-aca","category-bcbsnc-insurance","tag-affordable-care-act","tag-bcbsnc","tag-government-subsidies","tag-tax-credit"],"_links":{"self":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/4771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/comments?post=4771"}],"version-history":[{"count":28,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/4771\/revisions"}],"predecessor-version":[{"id":7372,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/4771\/revisions\/7372"}],"wp:attachment":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/media?parent=4771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/categories?post=4771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/tags?post=4771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}