Affordable Coverage
The Health Connector sets an “Affordability Schedule” each year, which shows the maximum monthly premium that an individual could afford to pay for insurance. The “affordable” premium varies for each income bracket. If an individual could have purchased coverage meeting MCC standards for a monthly premium that is equal to or less than the amount that an individual is able to afford, then the individual may be subject to a penalty.
The Schedule HC will ask taxpayers who did not have coverage to provide information to determine if they were eligible for government-subsidized insurance or affordable insurance offered by their employer. If neither of those options was available, the taxpayers will be directed to check a table of premiums for the lowest-cost coverage available through the Health Connector in the tax year. If the premium that the taxpayer would have to pay for that coverage is greater than the amount the taxpayer is considered able to afford, then the taxpayer will not have to pay a penalty. However, if the premium for coverage is equal to or less than the amount the taxpayer could afford, then the taxpayer could have purchased that insurance and may be liable for a penalty.
Calendar Year 2024 Affordability Schedule: Individuals (one person)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $21,870 | 0% | ||
| 150.1 – 200% | $21,871 | $29,160 | 2.70% | $49 | $66 |
| 200.1 – 250% | $29,161 | $36,450 | 3.95% | $96 | $120 |
| 250.1 – 300% | $36,451 | $43,740 | 4.68% | $142 | $171 |
| 300.1 – 350% | $43,741 | $51,030 | 7.45% | $272 | $317 |
| 350.1 – 400% | $51,031 | $58,320 | 7.60% | $323 | $369 |
| Above 400% | $58,321 | 8.00% | $389 |
Calendar Year 2024 Affordability Schedule: Couples (two people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $29,580 | 0% | ||
| 150.1 – 200% | $29,581 | $39,440 | 4.00% | $99 | $131 |
| 200.1 – 250% | $39,441 | $49,300 | 5.85% | $192 | $240 |
| 250.1 – 300% | $49,301 | $59,160 | 6.95% | $286 | $343 |
| 300.1 – 350% | $59,161 | $69,020 | 7.45% | $367 | $428 |
| 350.1 – 400% | $69,021 | $78,880 | 7.60% | $437 | $500 |
| Above 400% | $78,881 | 8.00% | $526 |
Calendar Year 2024 Affordability Schedule: Families (three or more people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $37,290 | 0% | ||
| 150.1 – 200% | $37,291 | $49,720 | 3.15% | $98 | $131 |
| 200.1 – 250% | $49,721 | $62,150 | 4.65% | $193 | $241 |
| 250.1 – 300% | $62,151 | $74,580 | 5.50% | $285 | $342 |
| 300.1 – 350% | $74,581 | $87,010 | 7.45% | $463 | $540 |
| 350.1 – 400% | $87,011 | $99,440 | 7.60% | $551 | $630 |
| Above 400% | $99,441 | 8.00% | $663 |
Calendar Year 2023 Affordability Schedule: Individuals (one person)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $20,385 | 0% | ||
| 150.1 – 200% | $20,386 | $27,180 | 2.80% | $48 | $63 |
| 200.1 – 250% | $27,181 | $33,975 | 4.10% | $93 | $116 |
| 250.1 – 300% | $33,976 | $40,770 | 4.85% | $137 | $165 |
| 300.1 – 350% | $40,771 | $47,565 | 7.45% | $253 | $295 |
| 350.1 – 400% | $47,566 | $54,360 | 7.60% | $301 | $344 |
| Above 400% | $54,361 | 8.00% | $362 |
Calendar Year 2023 Affordability Schedule: Couples (two people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $27,465 | 0% | ||
| 150.1 – 200% | $27,466 | $36,620 | 4.30% | $98 | $131 |
| 200.1 – 250% | $36,621 | $45,775 | 6.20% | $189 | $237 |
| 250.1 – 300% | $45,776 | $54,930 | 7.40% | $282 | $339 |
| 300.1 – 350% | $54,931 | $64,085 | 7.45% | $341 | $398 |
| 350.1 – 400% | $64,086 | $73,240 | 7.60% | $406 | $464 |
| Above 400% | $73,241 | 8.00% | $488 |
Calendar Year 2023 Affordability Schedule: Families (three or more people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $34,545 | 0% | ||
| 150.1 – 200% | $34,546 | $46,060 | 3.40% | $98 | $131 |
| 200.1 – 250% | $46,061 | $57,575 | 4.90% | $188 | $235 |
| 250.1 – 300% | $57,576 | $69,090 | 5.85% | $281 | $337 |
| 300.1 – 350% | $69,091 | $80,605 | 7.45% | $429 | $500 |
| 350.1 – 400% | $80,606 | $92,120 | 7.60% | $511 | $583 |
| Above 400% | $92,121 | 8.00% | $614 |
Calendar Year 2022 Affordability Schedule: Individuals (one person)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $19,320 | 0% | ||
| 150.1 – 200% | $19,321 | $25,760 | 2.90% | $47 | $62 |
| 200.1 – 250% | $25,761 | $32,200 | 4.20% | $90 | $113 |
| 250.1 – 300% | $32,201 | $38,640 | 5.00% | $134 | $161 |
| 300.1 – 350% | $38,641 | $45,080 | 7.45% | $240 | $280 |
| 350.1 – 400% | $45,081 | $51,520 | 7.60% | $286 | $326 |
| Above 400% | $51,521 | 8.00% | $343 |
Calendar Year 2022 Affordability Schedule: Couples (two people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $26,130 | 0% | ||
| 150.1 – 200% | $26,131 | $34,840 | 4.30% | $94 | $125 |
| 200.1 – 250% | $34,841 | $43,550 | 6.20% | $180 | $225 |
| 250.1 – 300% | $43,551 | $52,260 | 7.40% | $269 | $322 |
| 300.1 – 350% | $52,261 | $60,970 | 7.45% | $324 | $379 |
| 350.1 – 400% | $60,971 | $69,680 | 7.60% | $386 | $441 |
| Above 400% | $69,681 | 8.00% | $465 |
Calendar Year 2022 Affordability Schedule: Families (three or more people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $32,940 | 0% | ||
| 150.1 – 200% | $32,941 | $43,920 | 3.45% | $95 | $126 |
| 200.1 – 250% | $43,921 | $54,900 | 4.95% | $181 | $226 |
| 250.1 – 300% | $54,901 | $65,880 | 5.85% | $268 | $321 |
| 300.1 – 350% | $65,881 | $76,860 | 7.45% | $409 | $477 |
| 350.1 – 400% | $76,861 | $87,840 | 7.60% | $487 | $556 |
| Above 400% | $87,841 | 8.00% | $586 |
Calendar Year 2021 Affordability Schedule: Individuals (one person)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $19,140 | 0% | ||
| 150.1 – 200% | $19,141 | $25,520 | 2.90% | $46 | $62 |
| 200.1 – 250% | $25,521 | $31,900 | 4.20% | $89 | $112 |
| 250.1 – 300% | $31,901 | $38,280 | 5.00% | $133 | $160 |
| 300.1 – 350% | $38,281 | $44,660 | 7.45% | $238 | $277 |
| 350.1 – 400% | $44,661 | $51,040 | 7.60% | $283 | $323 |
| Above 400% | $51,041 | 8.00% | $340 |
Calendar Year 2021 Affordability Schedule: Couples (two people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $25,860 | 0% | ||
| 150.1 – 200% | $25,861 | $34,480 | 4.30% | $93 | $124 |
| 200.1 – 250% | $34,481 | $43,100 | 6.20% | $178 | $223 |
| 250.1 – 300% | $43,101 | $51,720 | 7.40% | $266 | $319 |
| 300.1 – 350% | $51,721 | $60,340 | 7.45% | $321 | $375 |
| 350.1 – 400% | $60,341 | $68,960 | 7.60% | $382 | $437 |
| Above 400% | $68,961 | 8.00% | $460 |
Calendar Year 2021 Affordability Schedule: Families (three or more people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0 – 150% | $0 | $32,580 | 0% | ||
| 150.1 – 200% | $32,581 | $43,440 | 3.40% | $92 | $123 |
| 200.1 – 250% | $43,441 | $54,300 | 4.95% | $179 | $224 |
| 250.1 – 300% | $54,301 | $65,160 | 5.90% | $267 | $320 |
| 300.1 – 350% | $65,161 | $76,020 | 7.45% | $405 | $472 |
| 350.1 – 400% | $76,021 | $86,880 | 7.60% | $481 | $550 |
| Above 400% | $86,881 | 8.00% | $579 |
Calendar Year 2020 Affordability Schedule: Individuals (one person)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0–100% | $0 | $12,490 | 0% | $0 | $0 |
| 100.1–150% | $12,491 | $18,735 | 0% | $0 | $0 |
| 150.1–200% | $18,736 | $24,980 | 2.90% | $45 | $60 |
| 200.1–250% | $24,981 | $31,225 | 4.20% | $87 | $109 |
| 250.1–300% | $31,226 | $37,470 | 5.00% | $130 | $156 |
| 300.1–350% | $37,471 | $43,715 | 7.45% | $233 | $271 |
| 350.1–400% | $43,716 | $49,960 | 7.60% | $277 | $316 |
| Above 400% | $49,961 | 8.00% | $333 |
Calendar Year 2020 Affordability Schedule: Couples (two people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0–100% | $0 | $16,910 | 0% | $0 | $0 |
| 100.1–150% | $16,911 | $25,365 | 0% | $0 | $0 |
| 150.1–200% | $25,366 | $33,820 | 4.30% | $91 | $121 |
| 200.1–250% | $33,821 | $42,275 | 6.20% | $175 | $218 |
| 250.1–300% | $42,276 | $50,730 | 7.40% | $261 | $313 |
| 300.1–350% | $50,731 | $59,185 | 7.45% | $315 | $367 |
| 350.1–400% | $59,186 | $67,640 | 7.60% | $375 | $428 |
| Above 400% | $67,641 | 8.00% | $451 |
Calendar Year 2020 Affordability Schedule: Families (three or more people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0–100% | $0 | $21,330 | 0% | $0 | $0 |
| 100.1–150% | $21,331 | $31,995 | 0% | $0 | $0 |
| 150.1–200% | $31,996 | $42,660 | 3.40% | $91 | $121 |
| 200.1–250% | $42,661 | $53,325 | 4.90% | $174 | $218 |
| 250.1–300% | $53,326 | $63,990 | 5.85% | $260 | $312 |
| 300.1–350% | $63,991 | $74,655 | 7.45% | $397 | $463 |
| 350.1–400% | $74,656 | $85,320 | 7.60% | $473 | $540 |
| Above 400% | $85,321 | 8.00% | $569 |
Calendar Year 2019 Affordability Schedule: Individuals (one person)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0–100% | $0 | $12,140 | 0% | $0 | $0 |
| 100.1–150% | $12,141 | $18,210 | 0% | $0 | $0 |
| 150.1–200% | $18,211 | $24,280 | 2.90% | $44 | $59 |
| 200.1–250% | $24,281 | $30,350 | 4.20% | $85 | $106 |
| 250.1–300% | $30,351 | $36,420 | 5.00% | $126 | $152 |
| 300.1–350% | $36,421 | $42,490 | 7.45% | $226 | $264 |
| 350.1–400% | $42,491 | $48,560 | 7.60% | $269 | $308 |
| Above 400% | $48,561 | 8.00% | $324 |
Calendar Year 2019 Affordability Schedule: Couples (two people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0–100% | $0 | $16,460 | 0% | $0 | $0 |
| 100.1–150% | $16,461 | $24,690 | 0% | $0 | $0 |
| 150.1–200% | $24,691 | $32,920 | 4.30% | $88 | $118 |
| 200.1–250% | $32,921 | $41,150 | 6.20% | $170 | $213 |
| 250.1–300% | $41,151 | $49,380 | 7.35% | $252 | $302 |
| 300.1–350% | $49,381 | $57,610 | 7.45% | $307 | $358 |
| 350.1–400% | $57,611 | $65,840 | 7.60% | $365 | $417 |
| Above 400% | $65,841 | 8.00% | $439 |
Calendar Year 2019 Affordability Schedule: Families (three or more people)
| % of FPL | Bottom of Income Range | Top of Income Range | Affordability Standard | Bottom of Affordable Monthly Premium Range | Top of Affordable Monthly Premium Range |
|---|---|---|---|---|---|
| 0–100% | $0 | $20,780 | 0% | $0 | $0 |
| 100.1–150% | $20,781 | $31,170 | 0% | $0 | $0 |
| 150.1–200% | $31,171 | $41,560 | 3.40% | $88 | $118 |
| 200.1–250% | $41,561 | $51,950 | 4.90% | $170 | $212 |
| 250.1–300% | $51,951 | $62,340 | 5.85% | $253 | $304 |
| 300.1–350% | $62,341 | $72,730 | 7.45% | $387 | $452 |
| 350.1–400% | $72,731 | $83,120 | 7.60% | $461 | $526 |
| Above 400% | $83,121 | 8.00% | $554 |