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Under the new Special Enrollment Period (SEP), eligible applicants can enroll in an ACA-compliant health plan through the marketplace year-round
This Special Enrollment Period does not limit the ACA health plan that can be selected. But people with income up to 150% of the poverty level are strongly encouraged to choose a Silverplan.
Silver plans have built-in cost-sharing reductions for people at that income level, making the coverage better than a Platinum plan.
Who Qualifies for the Low- Income Special Enrollment & Period?
An applicant’s income cannot exceed 150% of the federal poverty level to be eligible. An individual enrolling in 2022 whose income is no more than $19,320 will qualify. For a household of five, it’s $46,560.
| Household Size | Household Income |
| 1 | $19,320 |
| 2 | $26,130 |
| 3 | $32,940 |
| 4 | $39,750 |
| 5 | $46,560 |
And for as long as the American Rescue Plan’s subsidy enhancements are in effect — at least through the end of 2022 — the two lowest-cost Silver plans are premium-free (in most states).
The Inflation Reduction Act, passed by the House on August 7th, 2022, extends the Low-Income SEP and other Affordable Care Act subsidies through 2025.
Is the Low – Income SEP Available in All States?
Not necessarily. State-run exchanges (there are 18 as of the 2022 plan year) do not have to offer this SEP. But as of early 2022, several state-run exchanges (Colorado, Maine, Pennsylvania, New Jersey, California, and Rhode Island) had debuted the new SEP.
| States Participating in Low-Income SEP | FPL % |
| Alabama | Up to 150% |
| Alaska | Up to 150% |
| Arizona | Up to 150% |
| California | Up to 150% |
| Colorado | Up to 150% New Consumers only |
| Delaware | Up to 150% |
| Florida | Up to 150% |
| Georgia | Up to 150% |
| Hawaii | Up to 150% |
| Illinois | Up to 150% |
| Indiana | Up to 150% |
| Iowa | Up to 150% |
| Kansas | Up to 150% |
| Louisiana | Up to 150% |
| Maine | Up to 150% |
| Michigan | Up to 150% |
| Mississippi | Up to 150% |
| Missouri | Up to 150% |
| Montana | Up to 150% |
| Nebraska | Up to 150% |
| New Hampshire | Up to 150% |
| New Jersey | Up to 200% |
| North Carolina | Up to 150% |
| North Dakota | Up to 150% |
| Ohio | Up to 150% |
| Oklahoma | Up to 150% |
| Pennsylvania | Up to 150% |
| Rhode Island | Up to 150% |
| South Carolina | Up to 150% |
| South Dakota | Up to 150% |
| Tennessee | Up to 150% |
| Texas | Up to 150% |
| Utah | Up to 150% |
| West Virginia | Up to 150% |
| Wisconsin | Up to 150% |
| Wyoming | Up to 150% |
Do you think you qualify for the Low-Income SEP? Find out in just moments! Click here!
Uninsured? Under-insured? You likely qualify for GREAT yet affordable (often FREE!) health insurance through the Affordable Care Act (ACA
At any time during the year, you can Enroll in quality ACA health insurance through TrueCoverage. Click here To learn more!
Or, if you are approaching 65 years of age, TrueCoverage can also connect you with Medicare Advantage plans or supplemental policies!
Pic credit: https://elements.envato.com/health-insurance-concept-RTYQ7ZZ
