beWellnm is here to help you find out if you can get a break on health insurance costs. 

Have you checked to see if you qualify for a premium subsidy to help you pay for health insurance this year? Learn more about low- or no-cost health insurance programs available through beWellnm, the official Marketplace.  


Premium subsidies can help you pay for costs

Premium subsidies are also called advanced premium tax credits (APTC). If you qualify based on your income, a premium subsidy can lower the cost of your premium. That means you pay less every month. Or, you may claim the credit when you file your taxes. 

The amount you get for the tax credit is based on your income and the size of your family. If your income goes up or down throughout the year, your premium subsidy amount may be smaller or greater than the estimated amount. If that happens, you’ll get a tax refund or pay the difference when you file your taxes.

The regular price (monthly premium) varies based on age, rating area and health insurance plan. Your results will vary. You can find out if you qualify for a premium subsidy when you apply at 

Reduced costs for services throughout the year

With cost-sharing reductions (CSR), you pay lower costs you make when seeing a doctor, getting treatment in the hospital or filling a prescription. CSR plans lower how much you pay for your deductible, copayment and coinsurance. (These are called out-of-pocket costs.

If you qualify based on income, cost sharing reductions may be available when you choose a silver level health plan through the Marketplace. 

Native Americans may get a break on costs with any health plan on the Marketplace. Depending on income, Native Americans pay limited or no out-of-pocket costs for health care. 

Can you save money on a health plan?

If you need help, talk to a local certified broker or enrollment counselor who can review your eligibility for financial help and guide you through enrollment. They can find out if you and your family qualify for low- or no-cost health insurance programs.

View plans and prices at for a quick look at how much you might save. When you complete an official application for coverage, you’ll find out more about financial help. During the process, you’ll be asked to provide some basic information. This is used to determine your eligibility for aid.

Not sure if you may qualify? Fill out an application to see if you can get a break on costs. When you apply, you will be asked questions about your income and family. The answers you offer are used to determine the help you can receive.  

Learn more now

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