The Affordable Care Act (ACA) requires that all Americans have health insurance. Some people get their insurance through their employer, some purchase it on their own, and some get it through a government program like Medicaid or Medicare. National health insurance is a system in which the government provides health insurance for all citizens. The ACA includes a premium tax credit that helps people pay for their health insurance. The premium tax credit is based on the cost of the second lowest-cost silver plan in each state. The premium for a silver plan in 2016 is $2,676 for an individual and $13,380 for a family of four. The premium tax credit is available to people with incomes between 100% and 400% of the federal poverty level. For an individual, this is $11,880 to $47,520. For a family of four, it is $24,300 to $97,200. The premium tax credit is paid directly to the health insurance company. The amount of the premium tax credit is based on the cost of the silver plan and the person's income. The premium tax credit is available to people with incomes between 100% and 400% of the federal poverty level. For an individual, this is $11,880 to $47,520. For a family of four, it is $24,300 to $97,200. The premium tax credit is paid directly to the health insurance company. The amount of the premium tax credit is based on the cost of the silver plan and the person's income. The premium tax credit is available to people with incomes between 100% and 400% of the federal poverty level. For an individual, this is $11,880 to $47,520. For a family of four, it is $24,300 to $97,200. The premium tax credit is paid directly to the health insurance company. The amount of the premium tax credit is based on the cost of the silver plan and the person's income. The premium tax credit is available to people with incomes between 100% and 400% of the federal poverty level. For an individual, this is $11,880 to $47,520. For a family of four, it is $24,300 to $97,200. The premium tax credit is paid directly to the health insurance company.