Obamacare subsidy calculator

This tool provides estimates before you review available plans.

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2016 Obamacare subsidy calculator

Find out whether you're among the 85 percent of Americans who are eligible for subsidies when they enroll through the exchanges

2017 subsidy calculations on Nov. 1

Editor’s note: 2017 subsidy calculations will not be available until November 1, when the cost of the baseline plans are available from healthcare.gov and the state exchanges. Please return on or after November 1 to calculate your premium subsidy for 2017.

If you’re worried about the cost of health insurance premiums in the exchanges, it might help to know that – thanks to the law’s generous subsidies – your premiums could end up a lot lower than you expect.

More than half of the uninsured don’t know that financial assistance in the form of subsidies is available in the exchanges. A few more quick facts about Obamacare subsidies:

  • The subsidies are tax credits, which means you can opt to pay full price for your coverage (purchased through the exchange) each month, and then get your tax credit when you file your tax return. But unlike other tax credits, the subsidies can be taken throughout the year, paid directly to your health insurer to offset the cost of your coverage.
  • Nearly 85 percent of people enrolled in exchange plans in 2016 are receiving subsidies that average $291 per month.
  • Subsidies can lower your premium significantly, but the law also provides subsidies that can reduce your cost sharing.
  • The average after-subsidy premium paid by the millions of enrollees who got premium subsidies in 2016 through Healthcare.gov is only $106 per month. For these enrollees, premium subsidies are covering an average of 73 percent of their total premiums.

It pays to calculate your subsidy!