What criteria typically guides eligibility for health insurance in the federal marketplace?

Eligibility for health insurance in the federal marketplace is primarily guided by income level and family size. This is aligned with the Affordable Care Act, which aims to assist individuals and families in obtaining affordable health coverage based on their financial situation. The federal marketplace evaluates an applicant's Modified Adjusted Gross Income (MAGI) and compares it to the federal poverty level (FPL) to determine eligibility for premium tax credits and cost-sharing reductions. Additionally, family size plays a crucial role in calculating the household income in relation to the FPL, ensuring that the support offered is tailored to the specific needs of families.

While previous health conditions, age, and employment status can influence insurance offerings and options available to individuals, they do not directly dictate eligibility in the same way income and family size do within the federal marketplace framework.