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 *

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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.

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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

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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Buy now – during open enrollment

Open enrollment is your annual opportunity to shop for ACA-compliant health plans. Read our 2021 Open Enrollment Guide for tips on plan selection, an overview of money-saving subsidies, deadlines to enroll in your state, effective coverage dates and much more.

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Individual and Family

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 a short-term medical (STM) policy. Find out if short-term is right for you in our guide to short-term coverage.

View plan availability in your state.
Short-term

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.
Medicaid

Medicare open enrollment 2021

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 they want to do so. Learn more in our 2021 Medicare Open Enrollment Guide.

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Medicare

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)

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Talking about health insurance since 1994.

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