What Funding Option Is Right for You?
Deciding Between a Health Reimbursement Arrangement (HRA) or a Federal Subsidy
Depending on your situation, you may be able to lower your health care costs with either an HRA, if available, or a federal subsidy, such as a Premium Tax Credit (PTC) or Cost-Sharing Reduction (CSR). A licensed benefit advisor can assist with these decisions and guide you during your enrollment call.
Funding Types
Qualifying for a PTC or CSR
These are the annual household income levels required to qualify for a PTC or CSR in 2025. The chart below is an average for the 48 contiguous United States. Qualifying income levels differ between states; contact Via Benefits for your state’s specific ranges.
Between $15,060 and $60,240 for individuals
Between $20,440 and $81,760 for a family of two
Between $31,200 and $124,800 for a family of four
If your income is:
More than the listed incomes, you will probably not qualify for a PTC* or CSR.
Within the listed income ranges, you may qualify for a PTC or CSR.
Less than listed incomes, you and your children may be eligible for other government programs, such as Medicaid or the Children's Health Insurance Program (CHIP).
Contact a licensed benefit advisor for more information on whether you qualify for a PTC or CSR.
*The Inflation Reduction Act has temporarily expanded eligibility for Premium Tax Credits, so if your income is higher than the ranges shown above, you may still qualify.