ACA subsidy estimator
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
Tools ·
2026 plan year
Special Enrollment Period qualifier
Missing Open Enrollment does not always mean waiting a year. Answer a few questions about what changed and when, and this will tell you whether you likely qualify for a Special Enrollment Period — and how long you have left.
What this assumes
- A guide to the common qualifying events, not an eligibility determination. Only the Marketplace can confirm eligibility.
- Most Special Enrollment Periods run 60 days from the qualifying event.
- A loss of coverage usually also allows you to apply in the 60 days before it happens — which is better, as it prevents a gap.
- Voluntarily dropping coverage you could have kept, or losing it for non-payment, does not qualify.
- You will normally need documentation of the event. Gather it early.
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.
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.
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.
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