General rules
- Apply in your state of residence and plan to file U.S. taxes.
- Be a U.S. citizen or lawfully present.
- Not eligible for affordable employer coverage or Medicare/most Medicaid.
Income & household matter
Subsidies are based on your tax household (people on your return) and projected income (MAGI). We help estimate correctly and adjust mid‑year if your income changes.
Common edge cases
- College students: If parents claim the student, they’re part of the parents’ household for subsidy purposes.
- Separated spouses: Filing status can affect eligibility—ask us before you finalize taxes.
True North Roots can confirm eligibility quickly and outline your best options.
Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.