Strictly speaking, there is no income limit for Marketplace insurance—anyone can purchase it. What is limited by income is the amount of the subsidy, or premium tax credit, you might qualify for to help pay for that insurance. In 2021 and 2022, you qualify for subsidies if you pay more than 8.5% of your household income toward health insurance premiums—specifically, the cost of the Silver “benchmark plan” (the second-lowest-cost plan on the exchange).