A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
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Speak with a licensed insurance agent 866-553-3223
Get a quote
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured
Missed open enrollment?
Outside of ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period. But you may have other coverage options.
Calculators
Subsidy calculator Employer affordability calculator Federal poverty level calculator Annual income calculator
Featured
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 they are more robust through 2025.
The ACA
What's the Affordable Care Act (Obamacare)? How to shop the ACA Marketplace Open enrollment Special enrollment
In-depth guides
How to choose the best plan Self-employed: How to get covered Women's health coverage Medicare: Ultimate guide Medicaid: State-by-state College students & grads: Your options
Health reform & FAQs
Blog: Health reform insights FAQs Glossary Press releases
Featured
Federal poverty guidelines for 2025
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.

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