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Would ACA subsidies lower your health insurance premiums?

Use our 2021 subsidy calculator to see if you’re eligible for ACA premium subsidies – and your potential savings if you qualify.

Obamacare subsidy calculator *

ZIP Code

County

Your age

Add ages of other family members to be insured.

Household Size

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

Modified Adjusted Gross Income (MAGI)

For most taxpayers, your MAGI is close to AGI (Line 7 of your Form 1040 in 2018, and Line 8b in 2019).

Estimated annual subsidy

$0

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Provide information above to get an estimate.

* 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.

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The American Rescue Plan's premium-cutting subsidies

Find out how the American Rescue Plan will drastically cut marketplace health insurance costs for millions of Americans. Learn about $0 Silver premiums. Enroll now if you have a qualifying event.

Calculate your subsidy savings!

Do you need short-term coverage?

If your budget is tight, but you’re not eligible for Medicaid or ACA subsidies, you may wish to consider short-term health insurance. Find out if short-term is right for you.

View plan availability in your state.

Check your eligibility for Medicaid

Thirty-six states and Washington, DC, made nearly 10 million low-income Americans eligible for Medicaid by implementing ACA’s Medicaid expansion. See if your state expanded eligibility. Then, use our Federal Poverty Level Calculator to check your eligibility for enrollment.

See if you're eligible.

Medicare open enrollment for 2022 coverage

Medicare’s open enrollment (Oct. 15-Dec. 7) is an annual opportunity to reevaluate your coverage – whether it’s Original Medicare with supplemental drug coverage, or Medicare Advantage – and make changes or purchase new policies if you want to do so. Learn more in our 2022 Medicare Open Enrollment Guide.

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Flexible dental benefits. Fast approval.

Protect yourself from the soaring costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget.

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We’re here to help you understand health insurance.

When we’re not helping consumers compare health plan options with a free quote, we’re answering questions from health insurance consumers like you – every day.

I really appreciate you taking the time to help out and explain things to people who need it the most.

- Mohammed (Columbia, MO)

Thank you, Louise! This is extremely helpful and makes me feel better prepared to navigate my transition.

- Erin (Charlottesville, VA)

Louise, Thank you so much for the clear and very helpful response. I’ve learned a lot from you on the subject.

- Sky (Palo Alto, CA)

Thank you, Louise for your detailed answer. Your first paragraph is exactly what we were looking for!

- Bonnie (Bellingham, MA)

Thank you so much … this is one of the clearest articles on the income limits and subsidy amounts.

- Virginia (Orinda, CA)

When it comes to health insurance, we’re the voice of experience.

Talking about health insurance since 1994.

We’ve been helping Americans understand and navigate the individual health insurance market since 1994. Nearly 2.8 million readers turned to our pages for help in 2019.

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Millions of users have turned to us for a free health insurance quote … and more than 600,000 Americans have utilized our Obamacare Subsidy Calculator.

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We vet our business partners carefully, so our readers can feel confident when using our free health insurance quote tool to compare ACA-compliant plans, short-term health plans and Medicare plans.

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Our insurance experts have been tracking and analyzing health reform efforts – including the Affordable Care Act – since 2008. We’ve earned a reputation as a health insurance industry watchdog.

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We’re here to answer your burning questions every day. In the past decade, our Frequently Asked Questions section alone has been viewed more than 4 million times.

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