The Obamacare subsidy is available to eligible individuals who purchase health coverage through an exchange. Most people choose to have the credit paid in advance to the insurance firm to lower their monthly premiums. Prior to 2021, the credit was available to people with household incomes that range from 100% to 400% of the poverty level, who met other rules. Last year’s stimulus law expanded the credit for 2021 and 2022 by letting some people with incomes over 400% of the poverty line get credits and upping the credit amount. The enhancements to the health premium credit now go through 2025. Democrats wanted the expansions made permanent, but that was too costly.