A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Get help from a licensed insurance agent 888-389-0372
Get help from a licensed insurance agent 888-389-0372
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Will you receive an ACA premium subsidy?
Learn how to determine if you qualify for ACA premium subsides, how subsidies are calculated, and why subsidy amounts in 2027 may be different than previous years.
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What is the federal poverty level (FPL)?
Learn about the federal poverty level (FPL) - also known as federal poverty guidelines - for 2026 and 2027 coverage. Utilize our FPL calculator to determine your eligibility for Medicaid/CHIP or Marketplace subsidies.

Rob Cullen

Rob Cullen has been writing about health policy for What If Post since 2009. Founded in 2007, What If Post is a website dedicated to helping non-experts understand America’s massively complex healthcare system and the efforts to reform it.

Rob is also the web content manager for the Women’s Campaign Fund and writes their weekly MsRepresentation newsletter on women in politics. As a freelance writer based in Pittsburgh, his work has appeared in Pittsburgh City Paper, Pulp, Carnegie Mellon Today, MAKE Magazine, and other publications.