Estimate your premium and ACA subsidy eligibility
Estimates based on 2025 ACA marketplace averages. Actual premiums vary significantly by insurer, exact location, and plan. Visit HealthCare.gov for official quotes during open enrollment (Nov 1 – Jan 15).
The Affordable Care Act provides Premium Tax Credits (Advanced Premium Tax Credits, or APTC) to households with income between 100% and 400% of the Federal Poverty Level (FPL). Under the American Rescue Plan extension (through 2025), subsidies are also available above 400% FPL if premiums would exceed 8.5% of income.
Open Enrollment runs November 1 – January 15 each year. Special enrollment periods are available for qualifying life events (job loss, marriage, birth of child). Visit HealthCare.gov for official estimates and to enroll.
This is an estimate only and not a guarantee of actual subsidy amounts. Always verify through HealthCare.gov or a licensed insurance broker.