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ACA Subsidy Estimator
Could you pay less for health insurance?
Estimate your savings in a minute.
Enter your household size and expected income. We’ll estimate the most you may pay for a benchmark Silver plan, and whether you may qualify for extra savings.
What you'll get
- An estimate of the most you may pay for a benchmark Silver plan
- Whether you may qualify for extra cost-sharing savings
- A heads-up if you're close to the income limit
Your household
This is an estimate only, not a determination of eligibility or a guarantee of savings. Final eligibility is decided by the Health Insurance Marketplace. It uses the IRS applicable percentages and HHS poverty guidelines for the year you select. Your actual tax credit depends on your final income, household and local plan prices, and is reconciled when you file your taxes. Rules can change if Congress acts.
Keep Your Results
Want a copy
for your records?
We’ll email your estimate so you have it handy when you compare plans. No sales pressure, just your numbers.
How Tax Credits Work
Four things to know
about Marketplace savings.
Your income sets your share
If you qualify, you pay a set percentage of your income for the benchmark Silver plan, and the tax credit covers the rest.
Use it on any metal level
The credit is based on a Silver plan, but you can apply it to Bronze, Silver or Gold plans on the Marketplace.
The 400% limit is back
The extra help available from 2021 through 2025 has ended, so households above 400% of the poverty level no longer qualify.
It's settled at tax time
Your credit is based on your estimated income. If your income changes, report it so you don’t owe money back when you file.
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Free Plan Comparison
Let's find your savings
and the right plan.
We’ll check whether you qualify for savings, look up the plans in your area and compare them side by side, on and off the Marketplace, at no cost to you.
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Virtual appointments available
Meet with us by video, whenever it fits your schedule.