Which of the following scenarios would likely make a person eligible for using a premium tax credit?

A premium tax credit is designed to help individuals and families afford health insurance purchased through the health insurance marketplace, which was established under the Affordable Care Act. Individuals who do not have access to affordable employer-sponsored coverage or other qualifying health care plans can utilize these credits to reduce the cost of premiums when they buy insurance through the marketplace.

In this scenario, purchasing insurance through the health marketplace is the only option that directly qualifies a person for premium tax credits. This route allows individuals to apply for assistance based on their income and household size, which is a crucial factor in determining eligibility for the premium tax credits.

The other options do not facilitate eligibility for premium tax credits in the same manner. Employer-sponsored health coverage generally precludes individuals from receiving these credits, as the coverage is considered adequate. Buying insurance from a private broker typically refers to obtaining plans that are not offered through the marketplace, thus falling outside the framework that allows for premium tax credits. Lastly, being a Medicare beneficiary does not qualify one for premium tax credits since Medicare is a separate program with its own set of benefits and eligibility requirements.