ACA Calculator

Use this ACA calculator to get an estimate of what you might pay for your Marketplace health insurance premiums for 2022, based on your state, income, and household size. This ACA calculator will help you figure out if you qualify for subsidies in the health insurance marketplace. These estimates are based on premium tax credit amounts set forth in the American Rescue Plan (see chart down below).

ACA Subsidy Calculator

Which state do you live in? Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Enter your Total Household Size: ?

Please select 1 2 3 4 5 6 7 8 9 10

Enter your Modified Adjusted Gross Income: ?

   

Household Size: For the Health Insurance Marketplace®, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.

Household Size: For the Health Insurance Marketplace®, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.

MAGI: MAGI is adjusted gross income (AGI) plus these, if any: untaxed foreign income, non-taxable Social Security benefits, and tax-exempt interest.

ACA Subsidy Graph: How Much You Pay for a Silver Benchmark Plan

Household Income as a % of Federal Poverty Line	Regular Rates (before 2021)	Enhanced Rates for 2021/2022
100% – 138%	2.07%	0%
138% – 150%	3.10% – 4.14%	0%
150% – 200%	4.14% – 6.52%	0% – 2.0%
200% – 250%	6.52% – 8.33%	2.0% – 4.0%
250% – 300%	8.33% – 9.83%	4.0% – 6.0%
300% – 400%	9.83%	6.0% – 8.5%
Over 400%	Not Eligible	8.5%

What About Medicaid?

Depending on your income and household size, you may qualify for Medicaid and expanded Medicaid in states that offer it. In order to find out if you qualify you can complete an application for health insurance through the Marketplace and apply directly for Medicaid if the system tells you that you appear to be eligible. You can use the subsidy calculator above to estimate your potential to qualify for Medicaid, however in order to fully qualify you must submit an application.

What If My Employer Offers Coverage?

You can use this Marketplace Affordability Coverage Calculator to find out if your employer sponsored health plan is considered “affordable” according to the ACA. If your employer sponsored health plan is not considered affordable or it does not meet the minimum criteria in order to be considered a qualified health plan, then you may still be eligible for premium tax credit subsidies.

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