Here's some good news: The majority of those who buy individual health coverage are eligible for financial help with the cost of their health plan. Your annual household income and the number of people in your household determine whether you qualify. Your eligibility must be re-verified each year when you renew your health plan.
Financial help is available only if you are not offered a health plan through your employer or your spouse’s employer that meets certain minimum standards for coverage and affordability.
If you have a plan from Medicare or certain other government programs, you won't be eligible for a subsidy or tax credit.
This chart gives you an idea of whether you might qualify for a subsidy.
The most common form of financial help is a tax credit for health plan premiums. The federal government provides this type of credit. These credits reduce the amount you have to pay each month toward the cost of your health coverage.
If you're eligible for tax credits, you must purchase your health plan through the
HealthCare.gov. Premera can help you determine whether you qualify for financial assistance, help you sign up for a health plan through HealthCare.gov, and apply for a tax credit.
The amount you receive will depend on your income and the cost of the plan you choose to purchase.
The second type of financial help lowers the amount you pay when you receive care, such as visiting the doctor's office or filling a prescription. These are called cost shares.
The cost-share reduction is available only if you purchase a silver plan through HealthCare.gov. Premera offers silver plans that are eligible for these cost reductions.
We can help you with the application process through HealthCare.gov. Call us weekdays from 8 a.m. to 7 p.m. at 855-738-0954 with any questions.
The Internal Revenue Service (IRS) requires that you provide information about your health plan coverage on your annual tax return.
If you receive coverage through an employer or directly through Premera, you'll need to confirm that you had coverage for the year. If you didn't have coverage for at least 10 months of 2016 you might have to pay a penalty.
If you enrolled through HealthCare.gov, you'll receive a statement—IRS Form 1095—that you'll need to complete your tax return.
If you received a tax credit or are facing a penalty for not having coverage, you might want to consult with a tax or financial advisor to make sure your tax return is correct.
Find more information about how health coverage affects your tax filing, along with all the forms you might need, on the Affordable Care Act page of
You can enroll in an adult individual dental plan at any time. Use our plan finder to compare costs and coverage details.
Have you recently married, welcomed a child, or had another major life event? If so, learn more about special enrollment.