ACA subsidy & premium tax credit estimator

It is the second-cheapest Silver plan in your county. Your premium tax credit is calculated from its price, not from the price of the plan you actually choose.

That is why two households with the same income in different counties get different credits — the credit follows local prices.

Your estimated modified adjusted gross income for the coverage year, for everyone on your tax return. It is not the same as take-home pay.

Estimating is genuinely hard for self-employed and variable-income households; you can update the figure with the Marketplace during the year as things change.

The credit is reconciled on your tax return. Estimate too low and you repay part of it; too high and you paid more each month than you needed to.

Updating mid-year is far better than finding out in April.

Often yes, below roughly 250% of the federal poverty level. Cost-sharing reductions lower your deductible and copays, but only on a Silver plan — buying Bronze gives that benefit away.

The saving on the Bronze premium is regularly smaller than the value of the cost-sharing you lose.

No. It is an estimate computed from published plan-year figures and the details you type in. It is not an offer of coverage or a determination of eligibility.

Your final premium and eligibility are confirmed at enrollment on HealthCare.gov or with the carrier.

From the HHS poverty guidelines (2025) and the Marketplace affordability schedule for plan year 2026. They are plan-year stamped and reviewed each January, when the federal government publishes the new ones.

If a figure here does not match what you see elsewhere, check which plan year the other source is quoting first.

Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.

Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.

No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.