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ACA document Under ARPA, subsidies are available to anyone who would have to pay more than 8.5% of their income for benchmark coverage.

Since 2014, eHealth’s ACA Index Reports have been monitoring cost and plan selection trends among Affordable Care Act consumers who do not receive federal subsidies in the form of advance premium tax credits: middle-income Americans just beyond the reach of subsidy assistance.

The latest report, released this week, is based on some 7,000 unsubsidized ACA customers who selected plans at eHealth.com during open enrollment for 2021 coverage between Nov. 1 and Dec. 15, 2020.



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