Which of the following groups is likely eligible for subsidies in the Marketplace?

Households earning under certain income limits are likely eligible for subsidies in the Marketplace because the Affordable Care Act (ACA) established financial assistance to help individuals and families afford health insurance premiums and out-of-pocket costs. These subsidies, including premium tax credits and cost-sharing reductions, are designed specifically for those whose income falls within a defined range (typically between 100% and 400% of the Federal Poverty Level).

The intention behind this policy is to make healthcare more accessible to those who may struggle to afford it, ensuring that lower and middle-income households can obtain necessary coverage. Individuals who earn above the specified income levels, such as wealthy individuals with high incomes, don’t qualify for these subsidies, meaning they would not benefit from financial assistance through the Marketplace. Similarly, the eligibility criteria are not based on government employment status, nor are all residents eligible regardless of their income level; there are specific income thresholds that determine subsidy availability.