A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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ACA open enrollment: what’s new for 2025
Open enrollment for 2025 ACA (Affordable Care Act)-compliant health insurance is just around the corner. Let’s take a look at the various changes that consumers should be aware of this fall.
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How does a health savings account (HSA) work?
A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.

Obamacare subsidy calculator *

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Add ages of other family members to be insured.

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Include yourself, your spouse, and children claimed as dependents on your taxes.

4

Modified Adjusted Gross Income (MAGI)

For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040).

Estimated annual subsidy

$0

Provide information above to get an estimate.

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* This tool provides ACA premium subsidy estimates based on your household income.

healthinsurance.org does not collect or store any personal information from individuals using our subsidy calculator.

Obamacare articles by tag

2025 Obamacare subsidy calculator photo

2025 Obamacare subsidy calculator

Our ACA health insurance subsidy calculator estimates your premium subsidy based on your income, age and household size.… Read more

Obamacare’s ‘subsidy cliff’ eliminated through 2025 photo

Obamacare’s ‘subsidy cliff’ eliminated through 2025

The ACA's subsidy cliff has been temporarily eliminated (through 2025), saving some health insurance buyers thousands of dollars per… Read more

The ACA’s cost-sharing subsidies photo

The ACA’s cost-sharing subsidies

While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce… Read more

Individual health insurance under Obamacare photo

Individual health insurance under Obamacare

If you are self employed, or if your employer does not offer health insurance, you'll likely turn to the private market to purchase an… Read more

Why comparing coverage during open enrollment is a no-brainer photo

Why comparing coverage during open enrollment is a no-brainer

We’ve compiled four examples to illustrate how plan changes during open enrollment can help you come out ahead. These are real scenarios… Read more

How to beef up your health coverage if your employer offers ‘skinny’ or unaffordable benefits photo

How to beef up your health coverage if your employer offers ‘skinny’ or unaffordable benefits

Suspect that your employer’s health benefits are subpar? ACA marketplace subsidies could provide… Read more

For whom the (Bronze) bell tolls photo

For whom the (Bronze) bell tolls

Does it in fact make sense for anyone to buy a Bronze plan? A plan with a $5,000 or $6,000 deductible may save a person with at least… Read more