If your estimated income at the time of enrollment is below the minimum, the ACA marketplace won’t accept you, and they will refer you to Medicaid. However, unlike the maximum income, the minimum income is only examined at the time of enrollment, not at the time when you file your tax return. Here’s a map from Kaiser Family Foundation that shows which states expanded Medicaid and which states did not: Current Status of State Medicaid Expansion Decisions. In states that didn’t expand Medicaid, the minimum income is 100% FPL. In states that expanded Medicaid, the minimum income is 138% FPL. If your estimated income is too low, the ACA marketplace won’t accept you. In addition to the maximum income to receive the premium subsidy, there’s also a minimum income to get accepted by the ACA marketplace. In order to see whether you qualify for the premium subsidy, you have to know where the FPL is. Modified Adjusted Gross Income for the ACA premium subsidy is basically your adjusted gross income (AGI) plus tax-exempt muni bond interest, plus untaxed Social Security benefits. See Stay Off the ACA Premium Subsidy Cliff.

If your MAGI goes above 400% FPL even by $1, you lose all the subsidy. You qualify for the premium subsidy only if your modified adjusted gross income (MAGI) is at 400% FPL or below. The premiums are made affordable by a premium subsidy in the form of a tax credit calculated off your income relative to the Federal Poverty Levels (FPL), also known as the HHS poverty guidelines. People who don’t have health insurance from work can buy health coverage under the Affordable Care Act, also known as Obamacare.

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