<prompt> Human: About a month ago I made this thread The tl;dr was my wife has stage IV lung cancer, immigrant to the US, laid off from job in early 2015, I am unable to work because wife requires full time care, living strictly off savings, we both have a 2015 Marketplace plan with subsidies, and I wanted to know:1 I understand open enrollment for 2016 is on November 1, but will they let us keep our current plan for 2016? 2 Since I wont have any income for 2016, will we have to pay the full premium? What happens when and if we cant afford it?The thread blew up and I received so much helpful advice from everyone. This resolution may not apply and be helpful to everyone, but anyone with a non-US citizen spouse may benefit from this information should they find themselves in my situation.I have been pretty stressed this whole month, thinking that we were going to have to pay 800 a month in healthcare premiums. It turns out this wasnt the case. Someone from the previous thread referenced IRS Form 8962, stating the IRS would not claw back the subsidy if you made less than 100 of the Federal Poverty Level guidelines. I read over the form, and found that immigrants qualify for the Premium Tax Credit PTC if they make less than 100 of the FPL guidelines and are unable to obtain Medicaid. Missouri didnt expand Medicaid, so this would apply to her. I also found where it was referenced on the healthcare.gov website.Just one less thing to be stressed about.tl;dr - my wife qualifies for an Advanced Premium Tax Credit and low out of pocket costs from the Marketplace  <response>: Wow, thats a great find! Thanks for the update. 