A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-383-5527
Speak with a licensed insurance agent 888-383-5527
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why subsidy amounts in 2026 may be different.
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Federal poverty level for 2026 coverage
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Expert analysis of health reform issues

The COVID SEP ended in most states. The ARP is still making premiums more affordable. photo

The COVID SEP ended in most states. The ARP is still making premiums more affordable.

August 20, 2021 – The American Rescue Plan's enhancements to the Affordable Care Act's health insurance subsidies will continue long after the end of the…

Six strategies for avoiding the Affordable Care Act’s coverage gap photo

Six strategies for avoiding the Affordable Care Act’s coverage gap

August 13, 2021 – For low-income Americans seeking health coverage in states refusing to expand Medicaid, awareness of a minimum income requirement can make…

Longer enrollment tops list of proposed marketplace improvements photo

Longer enrollment tops list of proposed marketplace improvements

August 6, 2021 – The Biden administration's proposed rules aimed at ACA's health insurance exchanges would provide for 30 extra days of open enrollment,…

Why you should care about the August 15 special enrollment deadline photo

Why you should care about the August 15 special enrollment deadline

August 1, 2021 – Individual-market consumers hoping to take advantage of the ARP's enhanced health insurance subsidies need act before August 15 to lock in…

How the ARP makes marketplace health plans more affordable for older buyers photo

How the ARP makes marketplace health plans more affordable for older buyers

July 8, 2021 – If you're older, but not yet eligible for Medicare, the American Rescue Plan's subsidies could provide significant savings on individual…

What the Supreme Court ruling on ACA means for consumers, insurers and states photo

What the Supreme Court ruling on ACA means for consumers, insurers and states

June 17, 2021 – In June 2021, the Supreme Court dismissed a legal challenge to the Affordable Care Act today. Here's how the decision will affect…

ARP puts more ‘affordable’ in the Affordable Care Act photo

ARP puts more ‘affordable’ in the Affordable Care Act

June 9, 2021 – Two-thirds of uninsured Americans are eligible for subsidized health insurance – now more generously subsidized thanks to…

Are accumulators making you think twice about switching health plans? photo

Are accumulators making you think twice about switching health plans?

May 14, 2021 – Some states are helping consumers take advantage of higher premium subsidies under the American Rescue Plan by not making them hit 'reset'…

Twenty-something, out of work, and losing sleep worrying about health insurance photo

Twenty-something, out of work, and losing sleep worrying about health insurance

April 27, 2021 – Out of work and about to age off of her mom's health insurance, Carolyn Kettig says she's been losing sleep over her prospects of finding…

What to expect when you’re expecting health insurance premium subsidies photo

What to expect when you’re expecting health insurance premium subsidies

April 26, 2021 – When and how you receive the premium subsidies made possible by the American Rescue Plan depends on where you live and other factors,…

American Rescue Plan drives health insurance costs down for ‘young invincibles’ photo

American Rescue Plan drives health insurance costs down for ‘young invincibles’

March 25, 2021 – 'Young invincibles' are among the millions of Americans who will be able to find lower individual-market health insurance premiums and more…

Five ways the American Rescue Plan might slash your health insurance costs photo

Five ways the American Rescue Plan might slash your health insurance costs

March 18, 2021 – Thanks to the American Rescue Plan – signed last week by President Biden – premium subsidies are larger and available to more people in…