2020 ACA Subsidy Calculator

Could you get a federal subsidy for health insurance? Find out now.

Enter the required information into the fields below, then calculate your results. Remember, ACA Marketplace savings are based on your expected household income for 2020, not last year's income.1 Find out how to estimate your expected income (Healthcare.gov).


Got your results? Here are the next steps…

Find the Percent of Federal Poverty Limit (FPL) in the results above and select the corresponding range from the options below. Click to see detailed results and next steps.

Percent Federal Poverty Level (%FPL)

What it Means

Because your income is either below 100% or 138% of the federal poverty level (FPL), you may qualify to enroll in Medicaid, a federal program that provides free or low-cost coverage for some low-income individuals and families. If you qualify for Medicaid, it is likely your best option for both affordability and coverage.

Next Steps

Apply at Healthcare.gov by going through the normal health insurance enrollment process, or contact your state’s Medicaid agency directly for eligibility questions and to apply.

What it Means

Because your income is 100-400% of the federal poverty level (FPL), it may qualify you for a premium tax credit and/or cost-sharing reduction.

Next Steps

Enroll in a silver level health plan from healthcare.gov or your state’s Exchange in order to use your subsidy. Learn more about ACA tax credits and subsidies.

Learn more about your options if you qualify for a subsidy.

What it Means

Because your income is over 400% of the federal poverty level (FPL), it is too high to qualify for a health insurance subsidy. But that doesn’t mean you don’t have options for affordable health coverage.

Options + Next Steps

Enroll in ACA-qualifying major medical insurance either on the ACA Exchange, from the private marketplace or directly from a carrier. Call 888-855-6837 to speak with a licensed agent about your major medical coverage options.

If you’re considering non-ACA limited-benefit coverage like short term health insurance to try to reduce your monthly premium costs, it’s important to know that these are not guaranteed issue policies and cover few if any essential health benefits. Still interested? Get a short term medical insurance quote (it just takes a minute) or call 888-855-6837 to speak with an agent.

Learn more about your options if you don’t qualify for a subsidy.

Looking for Additional Help?

Speak with a licensed agent about your calculator results and to discuss
your health insurance coverage options for 2020.

[1] Count income & household size. HealthCare.gov. Retrieved 24 September 2019, from https://www.healthcare.gov/income-and-household-information/