A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Speak with a licensed insurance agent 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
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Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Will ACA-compliant health plans cover the cost of at-home COVID tests?

Between January 15, 2022 and May 11, 2023, your ACA-compliant health insurance covered the cost of up to eight at-home COVID tests per month for each person on your plan. That coverage requirement ended with the end of the COVID public health emergency, in May 2023, and most health plans stopped paying for at-home COVID tests at that point.

But starting in September 2024, the federal government once again began allowing people to order free at-home COVID tests through USPS, with up to four tests available per household. This program was still available as of November 2024.


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written hundreds of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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