Obamacare (ACA) Calculator
Calculate your Affordable Care Act health insurance costs, subsidies, and eligibility. Determine monthly premiums, tax credits, and out-of-pocket expenses based on your income, household size, and location.
Step 1: Personal Information
About ACA Subsidies
Premium tax credits (subsidies) are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). Your eligibility depends on income, household size, and location.
Step 2: Plan & Coverage Details
Understanding ACA Plans
Bronze plans have lowest premiums but highest out-of-pocket costs. Silver plans offer cost-sharing reductions for eligible enrollees. Gold and Platinum plans have higher premiums but lower deductibles and copays.
ACA Cost Results
Estimated Monthly Premium After Subsidy
Plan Category Comparison
| Plan Category | Avg. Monthly Premium | Coverage Level | Best For |
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Cost Breakdown Analysis
Subsidy Calculation Formula
Subsidy = Benchmark Plan Cost – (Income × Percentage of Income)
Benchmark plan is the second-lowest cost Silver plan in your area. Percentage of income ranges from 2% to 9.83% based on income level relative to Federal Poverty Level.
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