Subsidy Estimator

Save on the Cost of Health Insurance

Enter your information below.

Every month, you and your family may be able to get help paying for the cost of health insurance. This help is known as a subsidy. A subsidy is an amount of money, or tax credit, from the government.

A subsidy helps reduce your premium each month, which can greatly decrease your overall cost of health insurance.

In most cases, people who can get health insurance through their employer or through public coverage (for example: Medicaid, Medicare or CHIP) cannot qualify for a subsidy. Your subsidy amount is based on your income and family size.

To see if you may be eligible for a subsidy, just follow these simple steps! And don’t worry, the information you enter is not saved. It’s completely confidential.
  1. Enter your household size and income for all individuals (yourself and spouse and dependents, if applicable).
  2. Enter the ages of those in your household applying for coverage.
  3. See your estimated subsidy eligibility amount. The estimator also indicates income-eligibility for Medicaid in states that choose to expand eligibility.
  4. Press enter to see your estimated subsidy amount.

The estimated subsidy amount shows the amount you and your family might save on the cost of health insurance. This is compared to what you and your family might pay in the individual market without subsidies. Premiums are shown for a Balanced Care (Silver) plan. You can choose to purchase another plan. This is just an estimate. To confirm your exact subsidy amount, you will need to apply in your state’s Marketplace.

You can also use our website to get medical insurance quotes for your plan. Medical insurance quotes can give you an idea of how much you may pay for our health insurance plan. This is just an estimate.
National Estimator Updated October 2013

To use the Subsidy Estimator, please visit our full site by clicking the link at the bottom of the page.

Household Information

Enrollee Information

Only enter members of your household who would enroll in Exchange coverage.




Monthly Cost

Press enter to see your estimated subsidy amount.

Notes: This calculator shows expected spending for families and individuals eligible to purchase coverage in the Marketplace under the Affordable Care Act. Under the law, maximum contributions to premiums will be based on modified adjusted gross income, while estimates in this calculator are based on the annual income entered by the user. The premiums in this calculator reflects a weighted average of the second lowest cost silver plans in 48 states from the U.S. Department of Health and Human Services, Office of The Assistant Secretary for Planning and Evaluation (September 2013), adjusted for age rating. In some states, premiums will also vary based on tobacco use, but that is not taken into account in this calculator.

Further notes on methodology and assumptions»

The software that powers this calculator was developed by the Center for Labor Research and Education and the Institute for Research on Labor and Employment Library, at the University of California, Berkeley and are provided on this website under license. Copyright © 2012-13 The Regents of the University of California. All rights reserved.