ACA Subsidy Calculator

How to read your result

• Medicaid range: in Arizona, Iowa, Michigan, and Ohio, adults up to about 138% of the poverty line usually land in Medicaid. Florida and Texas did not expand — see the coverage-gap note below.
• Tax-credit range (100–400%): you likely qualify for premium tax credits. Your required contribution toward the benchmark Silver plan is capped as a share of income; the credit covers the rest of that benchmark premium.
• Extra savings on Silver (100–250%): cost-sharing reductions lower deductibles and copays — but only on Silver plans.
• Above 400%: for 2027, credits stop at the cliff. Catastrophic and supplemental strategies matter more — worth a real conversation.
• Florida/Texas coverage gap: adults under 100% of the poverty line in a non-expansion state can fall between Medicaid and credits. Options still exist — text me before assuming you’re stuck.

Next step

Text me your ZIP, ages, and this result and I’ll run exact plans — doctors and prescriptions checked — at no cost. Or enroll through my link and I’m your agent of record, reviewing it the same day.

One layer almost everyone adds: AccidentWise ($20,000 / $15,000 / $10,000 — whichever fits the budget) and HospitalWise. They aren’t medically underwritten, so they attach to nearly any health plan and pay benefits straight to you when an accident or hospital stay hits your deductible. And when it fits, we talk life insurance with critical illness underneath it. Details on the Golden Rule page.