What is a primary way for people with moderate incomes to obtain health insurance?

The primary way for people with moderate incomes to obtain health insurance is through tax credits provided via exchanges. Under the Affordable Care Act, individuals and families with moderate incomes are eligible for financial assistance in the form of tax credits when they purchase health insurance through state or federal exchanges. These credits help lower the monthly premiums, making coverage more affordable and accessible.

The exchanges serve as marketplaces where individuals can compare various health plans and select one that fits their needs and budget. The tax credits are designed to bridge the gap for those who may not qualify for Medicaid but still face challenges in affording insurance on the private market. This mechanism promotes greater enrollment in health insurance, particularly among those who may otherwise go uninsured.

While government subsidies can play a role in assisting low-income individuals, tax credits specifically cater to those with moderate incomes, making them a significant feature of the ACA's strategy to increase health coverage among a broader population.