Our Affordable Care Act (ACA) subsidy calculator can help you determine the amount your household can save on health insurance purchased through your state exchange. After you enter your ZIP code, age, household size and income, we can calculate your estimated subsidy for the current policy year.

The amount of the subsidy your household may receive depends on the number of people in your household and your household income as it relates to the federal poverty level.

What is the Affordable Care Act (ACA) subsidy?

The Affordable Care Act (ACA) subsidies are tax credits that allow you to pay less for marketplace health insurance.

A marketplace health plan is a policy purchased on your state's health insurance exchange. These plans are classified by metal tier and vary from Bronze coverage to Platinum coverage. This type of health insurance is available each year during the annual open enrollment period. However, if you have a qualifying life event , you may be eligible for a special enrollment period, which would give you one-time access to your state health insurance exchange.

Examples of qualifying events include:

How does the ACA subsidy work and who is eligible?

ACA subsidies are available for low- to middle-income households that have enrolled in individual health insurance plans. Keep in mind that Catastrophic plans are not eligible for these subsidies.

Previously, you qualified for premium subsidies only if your household income was at or below 400% of the federal poverty level (FPL). With temporary relief provided by the American Rescue Plan (ARP) Act of 2021, you may still qualify for discounts even if you earn more than 400% of the FPL. The ARP also caps insurance rates at 8.5% of household income, based on the cost of a benchmark plan. ARP premium assistance is set to expire in December 2022.

Below are the 2021 federal poverty level (FPL) income numbers, which are used for the 2022 policy year. It is important to note that for families with more than eight people, you would add $4,540 for each additional person.

Prior to the ARP, a family of four could earn no more than $106,000 to qualify for premium tax credits ($26,500 x 400% = $106,000). Under the ARP, that same family may be eligible for premium help even with a higher household income.