What does it mean to be ineligible for subsidies?

• A. If MAGI falls outside the eligible range and you have affordable employer coverage, you may not qualify for APTC/CSR.
• B. Subsidies are always available as long as you are in the Marketplace.
• C. Ineligibility only depends on age.
• D. Subsidies depend on Medicaid enrollment and employer size.

Answer: (D)

At the heart of being ineligible for subsidies is whether you have access to employer-sponsored coverage and whether you’re enrolled in Medicaid. If you’re enrolled in Medicaid, you’re not eligible for subsidies in the Marketplace. If your employer offers affordable coverage—an outcome more likely with larger employers—you’re also ineligible for subsidies because you’re considered to have access to coverage through work. So subsidies hinge on Medicaid enrollment status and on whether you have an affordable employer plan, with employer size acting as a factor in determining that affordability.