ACA subsidy estimator
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
Tools ·
2026 plan year
Family glitch calculator
Since 2023 the affordability of employer coverage is judged twice — once on the cheapest plan covering just the employee, and again on the cheapest plan covering the whole household. The two answers often disagree, and when they do, the family can buy subsidised Marketplace coverage while the employee stays on the work plan. Enter the two payroll figures and see where you land.
What this assumes
- Applies the required contribution percentage for the current plan year, from the IRS revenue procedure that sets it.
- Uses the cheapest employer plan that meets the Minimum Value Standard — the one offered, not necessarily the one you chose.
- Figures are your share of the premium, not what the employer pays.
- The family test covers the people on your tax return. An adult child under 26 who files separately is not part of it.
- Affordable employer coverage blocks a premium tax credit; it does not block you from buying a Marketplace plan at full price.
- Estimate only. Eligibility is determined by the Marketplace when you apply.
Talk it through with Sarah
An estimate is a starting point. Sarah can look up the real figures for your county, check your doctors and prescriptions, and tell you what the numbers actually mean for you.
Book a call 435-292-8777Speak with a licensed insurance agent · TTY 711
Or see real plans for your ZIP code:
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. CUPS Insurance is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
FAQ
Common questions
Is this a quote?
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.
Where do these figures come from?
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.
What does it cost to work with CUPS Insurance on Family glitch calculator?
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.
Does CUPS Insurance offer every plan available for Family glitch calculator?
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.
Who will actually be helping me?
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
How do I get started with Family glitch calculator?
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
What happens after I enroll?
She stays your agent. If a prescription moves tier, a doctor leaves the network, or a letter arrives that makes no sense, you call the same number and speak to the same person.
Every autumn your plan gets reviewed before Open Enrollment, because plans change even when your health does not. On Family glitch calculator that matters as much as the original enrollment.
Do we have to meet in person?
No. Most conversations happen by phone or video, which is faster for most people. If you would rather meet face to face, the office is at 3293 Harrison Blvd #213, Ogden — by appointment only, so call before you come.
Hours are 10:00 AM – 5:00 PM, Monday to Friday.
Keep going
FPL % calculator
Work out where your household income falls as a percentage of the federal poverty level.
ACA vs COBRA
Compare what COBRA would cost you against a subsidised Marketplace plan for the rest of the year.
SEP qualifier
Find out in about a minute whether a recent life event lets you enroll outside Open Enrollment.
Medicare date calculator
See your seven-month Initial Enrollment Period, your earliest coverage date, and your Medigap window.
Part D penalty calculator
See what going without drug coverage adds to your Part D premium — for as long as you keep it.
IRMAA estimator
See whether your income adds a surcharge to your Part B premium — and how much.
Advantage vs Medigap cost
Compare what each path could cost you in a typical year — and in a tough one.
Related guides
Related insurance solutions
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.
Book a call with Sarah Call 435-292-8777 Speak with a licensed insurance agent · TTY 711
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086