Health insurance and Obamacare terms
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Individual & Family
Supplemental
Coverage by state
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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
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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 they are more robust through 2025.
The ACA
In-depth guides
Health reform & FAQs
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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.