Need help applying for affordable Kansas health insurance through the Marketplace? Make an appointment with KAN!

How much does health insurance through the Marketplace cost?

Well, it depends! Some people qualify to get help to pay their monthly health insurance premiums and out-of-pocket costs.

Who qualifies for financial assistance?

Some people may qualify for $0 monthly health insurance premiums and/or $0 yearly deductibles.

You may be able to get help paying for your monthly health insurance premiums and/or out-of-pocket healthcare costs if you:

1. Have a household income greater than 100% of the federal poverty level which is… For 2023:
   • Household of 1 = $13,590
   • Household of 2 = $18,310
   • Household of 3 = $23,030
   • Household of 4 = $27,750
   • Household of 5 = $32,470

(Add $4,720 for each additional person in your tax household)

• a job (self or family member) - If health insurance for the employee is affordable but expensive for the family, you may fall in the "family glitch" (see definition below) and not be able to get help to pay monthly health insurance premiums.
• Medicaid, Medicare, VA, etc.

Some people make less money than they need to qualify for help to pay for health insurance through the Marketplace. This is called the Medicaid gap and KAN advocates to change this law in Kansas.

What is the “help” to pay for your insurance?

There are 2 ways you can get help to pay for your health insurance: help to pay monthly premiums and help to pay out-of-pocket healthcare costs.

1. Help to pay premiums (aka Advanced Premium Tax Credit or APTC)

APTC is a tax credit you can take in advance to lower your monthly health insurance payment (or “premium”). When you apply for coverage in the Health Insurance Marketplace, you estimate your expected income for the year. If you qualify for a premium tax credit based on your estimate, you can use any amount of the credit in advance to lower your premium.

• If at the end of the year you’ve taken more premium tax credit in advance than you’re due based on your final income, you’ll have to pay back the excess when you file your federal tax return.
• If you’ve taken less than you qualify for, you’ll get the difference back.