2025 ACA Income Limits: Are You Eligible for Health Insurance Subsidies?

Hi! I'm Jessica from Aura Insure. After helping countless families navigate ACA subsidies, I've learned that understanding income limits doesn't have to be complicated. Let me break it down the way I explain it to my own family.

The Scoop on ACA Subsidies for 2025

Remember when buying health insurance meant emptying your savings? Those days are gone! Thanks to expanded subsidies, many of my clients are saving hundreds (sometimes thousands) each month.

Real Talk About Income Limits

Just last week, I helped Maria, a single mom of two, figure out her subsidy eligibility. She was shocked to learn that making $65,000 a year still qualified her for significant savings!

Breaking Down the Numbers (In Plain English)

For Individuals

• Minimum income: $15,060 (100% FPL)

• Maximum income: $60,240 (400% FPL)

• Sweet spot for maximum savings: $20,000-$35,000

For Families

Think of it like a sliding scale that grows with your family:

• Family of 2: Up to $81,760

• Family of 4: Up to $124,800

• Each additional person: Adds about $21,480 to the limit

True Story: The Thompson Family

The Thompsons came to me worried they made too much for help. With a household income of $98,000 for their family of four, they were pleasantly surprised to qualify for a $750 monthly subsidy!

Find your household size and income to see if you qualify for ACA savings in 2025

What Actually Counts as Income?

Here's what I tell my clients to include:

• Salary and wages (before taxes)

• Self-employment earnings

• Investment income

• Retirement distributions

• Social Security benefits (with exceptions)

Pro Tip from the Trenches

"Don't forget about deductions! Just yesterday, I helped Steve, a freelancer, realize his business expenses would lower his countable income."

Common Questions I Hear Every Day

"I'm Self-Employed - How Do I Figure This Out?"

Start with your expected net profit for 2025. Jane, a photographer I worked with, learned to estimate based on her previous year's earnings plus planned growth.

"What If My Income Changes?"

Life happens! The system is more flexible than you might think. You can update your income anytime through the Marketplace.

Ready to Find Out If You Qualify?

Let's make this super easy:

1. Gather your income docs

2. Count your household members

3. Let's crunch the numbers together

Need More Help?

At Aura Insure, we're real people helping real people. Let's talk about:

• Your specific situation

• Available plans in your area

• Maximum savings opportunities