You have probably heard about the famous Affordable Care Act and have also wondered what you need to access this program.
To begin with, you should know that it is perhaps the most affordable health insurance on the market and also that at Sebanda Insurance you can find it and apply for your low-cost health insurance for 2025. This insurance has enviable coverage, as it will support you in a wide variety of treatments and unexpected health situations.
It is worth noting that you can access low-cost health insurance even if you have pre-existing illnesses or are pregnant. Coverage will also depend on your age, family size and income.
With this in mind, let’s see what are the requirements that you must meet in 2024 to be part of the program in 2025:
You must have legal immigration status
The most important thing when accessing this insurance is to have legal immigration status in the United States. So, if you are a citizen, permanent resident or have a social security number, you will be able to do so.
If you do not meet this requirement, at Sebanda Insurance we have other health insurance options that also have excellent coverage and good prices.
Please note the application dates
Please take note of this date so that you can apply for the low-cost health program on time: from November 1, 2024 to January 15, 2025. If you do not do so within this time period, you will hardly be able to access the benefits of this insurance, unless you are authorized to apply during a special period.
This is why you should pay close attention to this information so that you do not miss the deadline and begin to enjoy the coverage you have been waiting for.
Your economic income also counts
Because the affordable health program is government-subsidized health insurance, you and your family’s income must be within the federal poverty guidelines, which range from 100 to 400 percent.
Please note that this is set year after year by the Federal Government. For 2025 these are the parameters:
LOW COST HEALTH INSURANCE INCOME TABLE 2025
| Members | 100% | 138% | 150% | 200% | 250% | 300% | 350% | 400% |
| 1 | $13,590 | $18,754 | $20,385 | $27,780 | $33,975 | $40,770 | $47,565 | $54,360 |
| 2 | $18,310 | $25,268 | $27,465 | $36,620 | $45,775 | $54,390 | $64,085 | $73,240 |
| 3 | $23,030 | $31,781 | $34,545 | $46,060 | $57,575 | $69,090 | $80,605 | $92,120 |
| 4 | $27,750 | $38,295 | $42,625 | $55,500 | $69,375 | $83,250 | $97,125 | $111,000 |
Also remember that in order to link your family group, they must be associated on your tax return. Also, don’t forget that you cannot be claimed as a dependent of another person.
If you are insured by your employer, you will not be able to access low-cost health insurance
Something you should keep in mind is that if you are employed by a company and your employer pays for health insurance for you, you will not be able to benefit from the Affordable Care Act.
Another point to keep in mind so that you do not have problems when applying is that you cannot be incarcerated.
WANT TO START YOUR APPLICATION PROCESS? CONTACT US!
Well, if after reading this you meet all the requirements to apply, you will surely be interested in knowing what the essential benefits of the program are. Here we tell you about them:
- Preventive care, general check-ups, treatment of chronic diseases
- Laboratories
- Pediatrics
- Pregnancy, childbirth and postpartum
- Psychiatry, addiction treatments
- Outpatient care
- Prescription drugs
- Medical emergencies
- Hospitalization
- Rehabilitation Therapies
And if after this, you still have questions about this insurance, do not hesitate to contact us. We will explain everything you need to know and we will also help you to complete your application.
Remember that at Sebanda Insurance we are here to serve you and help you with this insurance and many more. Don’t forget to share this article with someone who is thinking about acquiring low-cost health insurance.