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What’s Subsidized Coverage?

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What’s Subsidized Coverage?

補貼範圍是什麼?


What’s Subsidized Coverage?

補貼範圍是什麼?


Health insurance subsidy helps you to pay for your health insurance. Subsidies lower your monthly premium, which is the amount you pay for health insurance coverage every month. How much of a subsidy you can get depends on your estimated annual income. More specifically, you need to know how much your income is in relation to the federal poverty guidelines, also called the federal poverty level or FPL. The guidelines are adjusted annually and if your expected income for the upcoming year is less than 400% of the poverty level for the upcoming year, you qualify for some kind of subsidy.


醫療保險補貼可幫助您支付醫療保險。補貼會降低您的每月保費,這是您每月為健康保險支付的金額。您可以獲得多少補貼取決於您的估計年收入。更具體地說,您需要了解與聯邦貧窮準則(也稱為聯邦貧窮標線,即FPL)相關的收入是多少。該指南每年進行調整,如果您來年的預期收入少於來年貧困標線的400%,則您有資格獲得某種補貼。



If you’re making more on unemployment than working it may mean less help with health insurance premiums.

如果您失業多於工作,可能意味著醫療保險費的補助會減少。



One of the side effects of the federal government’s expanded unemployment benefits — which added $600 per week to state benefits — is that some unemployed workers have more income now than they did when they were working. If your income falls below whatever cap applies to your situation but is higher than you estimated, you may have to repay some of the subsidies you received.

聯邦政府擴大失業救濟金的副作用之一(每週為州福利增加600美元),是一些失業工人現在的收入比工作時多。如果您的收入低於適用於您情況的任何上限,但高於您的估計,則您可能必須償還收到的部分補貼。



Types of health insurance subsidies

醫療保險補貼的類型



There are two types of health insurance subsidies available: the advance premium tax credit (APTC) and cost-sharing reductions (CSRs). Medicare is also worth considering.

有兩種類型的健康保險補貼:預繳保費稅收抵免(APTC)和費用分擔減少(CSR)。醫療保險也值得考慮。




若您有更多關於保險的相關問題,歡迎諮詢!


If you have more questions about insurance, feel free to contact us!



電話 Phone: 626-912-1988


Email: info@epiagroup.com



文章來源 (Source): https://www.policygenius.com/health-insurance/what-is-a-health-insurance-subsidy/


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