According to Forbes, “everyone can purchase policies through the health insurance exchange” but coverage is only “subsidized for certain individuals where insurance is deemed too costly.”

Applicants earning less than 400% of the poverty level would qualify for a federal subsidy.

“If insurance costs more than 9.5% of earnings for employer based coverage, it is considered too costly, and those under 400% poverty level can buy insurance on the exchange using a subsidy. Those making 400% and over can still buy insurance on the exchange, but will not receive a subsidy,” Forbes reports.

Navigators are one of the tools being used by HHS in their Obamacare sign-up efforts. Navigators will go door-to-door in local communities and inform Americans about their coverage options in the exchange marketplace under Obamacare.

HHS has issued $67 million in federal grant awards to 105 navigator applicants. The entities that received the grants are located in the 34 states that have a federally facilitated or a state partnership health insurance marketplace.

“Navigators will be among the many resources available to help consumers understand their coverage options in the Marketplace,” said HHS Secretary Kathleen Sebelius.

“A network of volunteers on the ground in every state – health care providers, business leaders, faith leaders, community groups, advocates, and local elected officials – can help spread the word and encourage their neighbors to get enrolled.”

“These Navigator grantees and their staff will serve as an in-person resource for Americans who want additional assistance in shopping for and enrolling in plans in the Health Insurance Marketplace beginning this fall,” said an HHS press release.

When the enrollment process is underway, navigators will take applicants’ Social Security numbers, examine their tax records and access their personal health information.

Secretary Sebelius said navigators “are going to be required to adhere to strict data security and privacy standards, including how to safeguard consumers’ personal information.”