Who is eligible to enroll in a Qualified Health Plan (QHP) through the FFM?

• A. U.S. citizens only
• B. U.S. citizens and lawfully present non-citizens who reside in the United States and meet program rules, including identity and income requirements, and are not incarcerated
• C. Anyone regardless of immigration status
• D. Only individuals enrolled in Medicaid

Answer: (B)

The key idea is that enrollment in a Qualified Health Plan through the Federally Facilitated Marketplace is limited to people who are U.S. citizens or lawfully present non-citizens living in the United States, and who meet program rules such as identity verification and income requirements, and who are not incarcerated. This reflects how the Marketplace administers QHPs and subsidies to those legally present and meeting income guidelines. U.S. citizens are eligible, but so are many non-citizens who have lawful status (for example, permanent residents, refugees, asylees, and certain visa holders). They must also prove who they are and fall within the income ranges that determine subsidy eligibility. Not being incarcerated is another eligibility condition. The other options don’t fit because restricting to citizens only excludes eligible non-citizens; allowing anyone regardless of immigration status ignores lawful-presence rules; and limiting enrollment to people already enrolled in Medicaid is inaccurate since QHPs are available to those who may or may not be on Medicaid, and most people enroll in a QHP to obtain coverage when they’re not in Medicaid.