ACA Subsidy Calculator
Find out how much you could save on health insurance with federal subsidies.
The Affordable Care Act provides tax credits (subsidies) to help eligible individuals and families afford health insurance. These subsidies reduce your monthly premiums directly, making coverage more affordable.
You may qualify if:
- Your household income is between 100% and 400% of the federal poverty level
- You're a U.S. citizen or legal resident
- You're not eligible for affordable employer health insurance
- You enroll during Open Enrollment or a qualifying life event
A single person earning $35,000 could save $150-$400/month. A family of four earning $75,000 could save $300-$800/month. Our calculator provides personalized estimates based on your specific situation.
Enhanced Premium Tax Credits: Maximum out-of-pocket costs capped at 8.5% of household income
American Rescue Plan Provisions: Extended through 2025, making coverage more affordable for millions
Income Reassessment: Report changes to ensure accurate subsidy amounts
Enter your household income, family size, and zip code. Our calculator uses IRS poverty guidelines to estimate your subsidy eligibility and monthly savings. Results are instant and personalized.
Use our calculator to get your personalized estimate, then speak with a licensed agent who can explain plan options and help you enroll during Open Enrollment or a qualifying life event.