2021 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.

This subsidy calculator is provided by My1HR, a licensed Web Based Entity (WBE) which is certified by the Centers for Medicare and Medicaid Services (CMS), to connect consumers directly with the federal health insurance Exchange at HealthCare.gov.

Remember, the federally facilitated Affordable Care Act Marketplace savings are based on your expected household income for 2021, not last year's income.[1] Find out how to estimate your expected income (Healthcare.gov).

As requirements vary by state, reach out to your state’s Medicaid office or insurance office with eligibility questions.


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.

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.[2] 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 100-138% in a Medicaid Expansion State or 138-400% of the federal poverty level (FPL), you may qualify for a premium tax credit and/or cost-sharing reduction.[3]

Next Steps

Enroll in a 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.[4] But that doesn’t mean you don’t have options for affordable health coverage.

Options + Next Steps

Enroll in an ACA-qualifying plan either by calling a licensed agent, from the ACA Exchange, from the private marketplace or directly from a carrier. To speak to a licensed agent about your major medical coverage options, call 888-855-6837.

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.