Reference Source

51 records

What health insurance help does my state add to the federal marketplace?

51 records, one fact each. Every value is transcribed from the source that states it and carries the sentence it was taken from: 68 sources across 50 sites, last checked 2026-08-19, due for re-check by 2026-12-18. Every record is listed below, each linking the page its value came from.

Records51
Sources68
Verified
Review by
LicenceFacts extracted from state marketplace, state insurance department and state Medicaid agency pages. Programme names, income thresholds, payment amounts, mandate penalties and enrollment dates are statutory or administrative facts and not copyrightable (Feist, 1991). Each record cites the state page it came from and quotes a short passage linking back. Compilations by third parties (KFF, healthinsurance.org) are meant to be used only to locate the state's own page, never as the cited source for a value. Eight records -- Alabama, Arkansas, Kansas, Kentucky, Minnesota, New Hampshire, Oregon and Texas -- currently fall short of that and cite healthinsurance.org alone. This was checked on 2026-08-20 and could not be fixed that day: the corresponding official pages are unreachable to our fetcher, not merely unfound. mn.gov and mnsure.org serve a Radware bot CAPTCHA, humanservices.arkansas.gov, dhhs.nh.gov, kancare.ks.gov and hhs.texas.gov return HTTP 403, and medicaid.alabama.gov fails TLS verification. Re-sourcing these eight needs a browser-capable fetch path, not more searching. Until then each of the eight carries one short attributed quote linking back, which is the same fair-dealing position as every other record.

About this data

One record per US state and the District of Columbia, stating who operates its health insurance marketplace, the income at which premium tax credit eligibility begins there, whether a coverage gap exists below it, and what the state itself adds on top of the federal credit. When the ACA's enhanced premium tax credits lapsed on 31 December 2025 a group of states stood up or expanded their own premium assistance to absorb part of the loss, and they did so on completely different terms: New Mexico backfills the full loss below 400% of the poverty line and caps benchmark premiums at 8.5% of income above it; New Jersey's assistance runs to 600% of the poverty line; Maryland covers the whole loss below 200% and part of it to 400%; California stops at 165%; Colorado pays a flat monthly amount; Washington pays per member per month. In ten states that never adopted the Medicaid expansion, a household below the poverty line still qualifies for nothing at all. Whether the federal cutoff at 400% of the poverty line is a cliff or a slope therefore depends entirely on the state, and no page states the answer for all fifty-one. Answers 'does my state have its own health insurance subsidy', 'what is the income limit for marketplace insurance in [state]', 'am I in the coverage gap', and 'does [state] have a health insurance mandate'. Open enrollment dates are deliberately not carried. The 2027 window is legally unsettled -- a June 2026 ruling vacated the federal rule that would have shortened it, an appeal was open, and the marketplaces' own pages describe their 2027 dates as expected or currently scheduled rather than fixed. A YYYY-MM-DD field cannot carry that hedge, so the dates are omitted rather than published as settled; healthcare.gov and each marketplace state them directly.

The data

StateMarketplace typeMarketplace nameMarketplace websiteMedicaid expansion adoptedWhere premium tax credit eligibility startsCoverage gap below the poverty lineState premium assistance programmeState assistance above 400% of the poverty lineState cost-sharing programmeBasic Health ProgramState individual mandateIncome range for state assistanceWhat the state programme paysMandate penalty
AlabamaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
AlaskaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
ArizonaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
ArkansasState-based marketplace on the federal platformArkansas Health Insurance Marketplacehttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
CaliforniaState-based marketplaceCovered Californiahttps://www.coveredca.com/yes138% of the federal poverty linenoCalifornia Premium Subsidynoenhanced cost-sharing reduction program (Enhanced Silver 73 with no deductibles, expanded in 2025 to incomes above 200% of the federal poverty level)noneyesat or below 165% of the federal poverty levelpreserves IRA-level premium subsidies for enrollees up to 150% FPL and lowers federally-required premiums for individuals between 150 and 165% FPL; above 165% FPL there is no additional state premium helpat least $950 per adult and $450 per dependent child under 18 in the household; a family of four that goes uninsured for the whole year would face a penalty of at least $2,800
ColoradoState-based marketplaceConnect for Health Coloradohttps://connectforhealthco.com/yes138% of the federal poverty linenoColorado Premium Assistancenononenonenoup to 400% of the federal poverty level$80 for the first household member and $29 for each subsequent household member that pays a premium
ConnecticutState-based marketplaceAccess Health CThttps://www.accesshealthct.com/yes138% of the federal poverty linenoCovered CT Program; 2026 Temporary Premium AssistancenoCovered CT Programnonenoup to and including 175% of the Federal Poverty Level (FPL)the State of Connecticut pays the customer’s portion of the monthly payment (premium) directly to their insurance company and also pays for the cost-sharing amounts (deductibles, co-pays, co-insurance and maximum out-of-pocket costs)
DelawareFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty line (stated as 133% plus the statutory 5-point income disregard)nononenononenoneno
District of ColumbiaState-based marketplaceDC Health Linkhttps://www.dchealthlink.com/yes200% of the federal poverty level (Medicaid covers up to 138% FPL; Healthy DC Plan BHP covers 138% to 200% FPL; premium tax credit eligibility begins above 200% FPL)nononenononeHealthy DC Planyesthe same as the federal shared responsibility payment under 26 U.S.C. § 5000A as in effect on December 15, 2017, except that the maximum is determined using the District's average bronze-level plan premium rather than the national average
FloridaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
GeorgiaState-based marketplaceGeorgia Accesshttps://georgiaaccess.gov/no100% of the federal poverty lineyesnonenononenoneno
HawaiiFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
IdahoState-based marketplaceYour Health Idahohttps://www.yourhealthidaho.org/yes138% of the federal poverty linenononenononenoneno
IllinoisState-based marketplaceGet Covered Illinoishttps://getcovered.illinois.gov/yes138% of the federal poverty linenononenononenoneno
IndianaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
IowaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty line (stated as 133% plus the statutory 5-point income disregard)nononenononenoneno
KansasFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
KentuckyState-based marketplacekynecthttps://kynect.ky.gov/yes138% of the federal poverty linenononenononenoneno
LouisianaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
MaineState-based marketplaceCoverME.govhttps://www.coverme.gov/yes138% of the federal poverty linenononenononenoneno
MarylandState-based marketplaceMaryland Health Connectionhttps://www.marylandhealthconnection.gov/yes138% of the federal poverty linenoMaryland Premium Assistancenononenonenoup to 400% federal poverty levelMaryland residents of any age with incomes up to 400% federal poverty level may be able to receive help paying for their monthly health insurance costs thanks to a new state program; enrollments after April 1, 2026 do not receive State Premium Assistance
MassachusettsState-based marketplaceMassachusetts Health Connectorhttps://www.mahealthconnector.org/yes138% of the federal poverty linenoConnectorCarenoConnectorCarenoneyes100% to 400% of the federal poverty levelConnectorCare plans have $0 or low monthly premiums, low out-of-pocket costs, and no deductiblesfor tax year 2025, a monthly penalty set by income band: $25/month ($300/year) at 150.1-200% FPL, $49/month ($588/year) at 200.1-250% FPL, $73/month ($876/year) at 250.1-300% FPL, $113/month ($1,356/year) at 300.1-400% FPL, $132/month ($1,584/year) at 400.1-500% FPL, and $187/month ($2,244/year) above 500% FPL. The published schedule begins at 150.1% FPL.
MichiganFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty line (stated as 133% plus the statutory 5-point income disregard)nononenononenoneno
MinnesotaState-based marketplaceMNsurehttps://www.mnsure.org/yes200% of the federal poverty level (MinnesotaCare BHP covers 138% to 200% FPL; premium tax credit eligibility begins above 200% FPL)nononenononeMinnesotaCareno
MississippiFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
MissouriFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
MontanaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
NebraskaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
NevadaState-based marketplaceNevada Health Linkhttps://www.nevadahealthlink.com/yes138% of the federal poverty linenononenononenoneno
New HampshireFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
New JerseyState-based marketplaceGetCoveredNJhttps://www.nj.gov/getcoverednj/yes138% of the federal poverty linenoNew Jersey Health Plan Savingsyesnonenoneyesup to 600% of the federal poverty levelTax households with annual incomes up to 600% of the federal poverty level will receive NJHPS. An individual with an income of up to $93,900 and a family of four who makes up to $192,900 can receive state subsidies to lower the costs of health coverage.the Shared Responsibility Payment, capped at the cost of the statewide average annual premium for Bronze Health Plans in New Jersey; for the 2025 tax year an individual taxpayer's payment ranges from a minimum of $695 to a maximum of $4,908.
New MexicoState-based marketplaceBeWell, New Mexico's Health Insurance Marketplacehttps://bewellnm.com/yes138% of the federal poverty linenoNew Mexico Premium AssistanceyesState Out-of-Pocket Assistance (SOPA)nonenoall income levels, including above 400% of the federal poverty levelbackfills the full loss of the enhanced federal credit, meaning no disruptions in coverage or cliffs for financial assistance
New YorkState-based marketplaceNY State of Healthhttps://nystateofhealth.ny.gov/yes138% of the federal poverty linenononenoSilver Supreme and Silver Enhanced cost-sharing reduction plansEssential Planno
North CarolinaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
North DakotaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
OhioFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
OklahomaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty line (stated as 133% plus the statutory 5-point income disregard)nononenononenoneno
OregonState-based marketplaceOregon's Health Insurance Marketplacehttps://healthcare.oregon.gov/Pages/index.aspxyes200% of the federal poverty level (OHP Bridge BHP covers 138% to 200% FPL; premium tax credit eligibility begins above 200% FPL)nononenononeOHP Bridgeno
PennsylvaniaState-based marketplacePenniehttps://www.pennie.com/yes138% of the federal poverty linenononenononenoneno
Rhode IslandState-based marketplaceHealthSource RIhttps://www.healthsourceri.com/yes138% of the federal poverty linenononenononenoneyeson the tax year 2024 worksheet, which is the current set of forms the Division of Taxation publishes: the greater of a flat $57.92 per uninsured adult per month plus $28.96 per uninsured child under 18 per month, or 2.5% of income above the federal standard deduction apportioned to the uninsured months — then capped at the bronze plan amount of $326 per month, up to $3,912 for a one-member household, $7,824 for two, $11,736 for three, $15,648 for four and $19,560 for five or more.
South CarolinaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
South DakotaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
TennesseeFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
TexasFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno
UtahFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty linenononenononenoneno
VermontState-based marketplaceVermont Health Connecthttps://vermonthealthconnect.gov/yes138% of the federal poverty linenoVermont Premium AssistancenoEnhanced Silver plansnoneyesup to 300% of the federal poverty levelVPA lowers your monthly health insurance bill by 1.5% of your household incomeVermont requires reporting but imposes no financial penalty
VirginiaState-based marketplaceVirginia's Insurance Marketplacehttps://www.marketplace.virginia.gov/yes138% of the federal poverty linenoVirginia Premium Savingsnononenoneno138% to 250% of the federal poverty levela state subsidy applied on top of any federal premium tax credit the household qualifies for, paid from the $150 million Virginia Health Insurance Affordability Fund created in a 2026 special session; the Exchange says qualifying consumers could save as much as 70% of their monthly premium, and no per-enrollee amount is stated
WashingtonState-based marketplaceWashington Healthplanfinderhttps://www.wahealthplanfinder.org/yes138% of the federal poverty linenoCascade Care Savingsnononenonenoat or below 250% of the federal poverty level$55 per member per month (PMPM) for members receiving federal subsidies and $250 PMPM for members not receiving federal subsidies
West VirginiaFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/yes138% of the federal poverty line (stated as 133% plus the statutory 5-point income disregard)nononenononenoneno
WisconsinFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no — Wisconsin did not adopt the ACA Medicaid expansion, but BadgerCare Plus covers childless adults up to 100% of the federal poverty line100% of the federal poverty linenononenononenoneno
WyomingFederally-facilitated marketplaceHealthCare.govhttps://www.healthcare.gov/no100% of the federal poverty lineyesnonenononenoneno

Where this came from

Every record above links the page it was taken from and quotes the sentence that states it. These are the 68 sources this dataset was assembled from.

Machine-readable

From your own code

Same records, same quotes, without scraping the page: refsource is on PyPI and npm. Each value comes back carrying the URL it was read from and the sentence on that page that states it — .source and .quote sit on the value itself rather than in a side channel, so the checking step is available instead of skipped.

pip install refsource
refsource lookup state-marketplace-assistance-programs state=Alabama

npx -y refsource lookup state-marketplace-assistance-programs state=Alabama

Set your AI assistant up to use this

Two files and no account. Put this in .mcp.json at the root of your project — Claude Code, Cursor, Windsurf, VS Code and Codex all read that file — and your assistant can look this dataset up instead of recalling it. The server is remote, keyless and read-only.

{
  "mcpServers": {
    "referencesource": {
      "type": "http",
      "url": "https://referencesource.org/mcp"
    }
  }
}

Add to Cursor · or, on the command line: claude mcp add --transport http referencesource https://referencesource.org/mcp --scope project

Then one line in the project's CLAUDE.md or AGENTS.md, so the assistant knows when to reach for it:

When a question needs "State health insurance marketplace assistance by state: who runs it, where subsidies start and stop, and what the state adds", call the referencesource MCP server at https://referencesource.org/mcp (tool `search_records`, dataset_slug `state-marketplace-assistance-programs`) instead of answering from memory — every record it returns carries its source URL and a verbatim quote from that page.

What each tool does, and the servers built over single registers: Connect your AI assistant.

51 records. last verified against source . due for re-check by .

Licence. Facts extracted from state marketplace, state insurance department and state Medicaid agency pages. Programme names, income thresholds, payment amounts, mandate penalties and enrollment dates are statutory or administrative facts and not copyrightable (Feist, 1991). Each record cites the state page it came from and quotes a short passage linking back. Compilations by third parties (KFF, healthinsurance.org) are meant to be used only to locate the state's own page, never as the cited source for a value. Eight records -- Alabama, Arkansas, Kansas, Kentucky, Minnesota, New Hampshire, Oregon and Texas -- currently fall short of that and cite healthinsurance.org alone. This was checked on 2026-08-20 and could not be fixed that day: the corresponding official pages are unreachable to our fetcher, not merely unfound. mn.gov and mnsure.org serve a Radware bot CAPTCHA, humanservices.arkansas.gov, dhhs.nh.gov, kancare.ks.gov and hhs.texas.gov return HTTP 403, and medicaid.alabama.gov fails TLS verification. Re-sourcing these eight needs a browser-capable fetch path, not more searching. Until then each of the eight carries one short attributed quote linking back, which is the same fair-dealing position as every other record.