ACA subsidy & premium tax credit estimator
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
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Tools · 2026 plan year
Run the numbers before you call anyone
Four calculators that answer the questions people ask first. Everything runs in your browser from published plan-year figures — nothing you type is sent anywhere, including to us.
Federal poverty level (FPL) percentage calculator
Work out where your household income falls as a percentage of the federal poverty level.
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COBRA vs Marketplace plan comparison
Compare what COBRA would cost you against a subsidised Marketplace plan for the rest of the year.
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Special Enrollment Period qualifier
Find out in about a minute whether a recent life event lets you enrol outside Open Enrollment.
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This is an estimate, not a quote. Estimates only. Figures on this page use published 2026 plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any advance premium tax credit are confirmed at enrollment on HealthCare.gov or with the carrier.
Want the real figures for your county?
These calculators use example figures until you enter your own. Sarah can look up the real benchmark premium, the real plans, and your doctors — at no cost.
Grab a cup. Let's make insurance make sense.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086