Updated September 2023
In general, an individual must not be eligible for minimum essential coverage (MEC) to be eligible for premium tax credits (PTC) in the marketplace, although there are a few exceptions. Being eligible for MEC means the insurance is available to the individual, even if they don’t enroll in it. Therefore, people who are eligible for MEC will generally not qualify for PTC.
This MEC Reference Chart is a reference tool that lists whether various types of coverage are considered MEC and whether eligibility for that coverage makes an individual ineligible for premium tax credits (PTC) in the marketplace.