Affordable Care Act (Obamacare) Subsidy Calculator

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Calculate Your Subsidy
Premium and subsidy calculator for the Affordable Care Act (Obamacare)
Complete the fields above to calculate your subsidy
Your results shown are for a Silver plan (the second cheapest). All Silver plans have a 30% cap on out-of-pocket expenses.
Your income is of the Federal Poverty Level
of your income is the max amount you have to pay towards your health insurance as defined by the ACA
Less than 2% of your income is the max amount you have to pay towards your health insurance as defined by the ACA
You're Eligible for Medicaid
Based on the income and state you provided, you’re eligible to receive Medicaid. This means your income is below 100% of the Federal Poverty Level (or below 138% if you selected a states that has expanded Medicaid) Medicaid coverage varies from state to state, but out-of-pocket costs are typically very low. You can apply for Medicaid at medicaid.gov
Your
Monthly Cost
Your
Eligible Subsidy
Your Adjusted
Monthly Cost
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Go here to view rates for Bronze, Gold, and Platinum plans.
Smokers are required to pay a tobacco surcharge in some states.
If you elect not to enroll in an ACA-compliant plan, you will owe at the end of the tax year

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About Subsidy Calculator
Premium and subsidy calculator for the Affordable Care Act (Obamacare)

Update (11/15): This calculator has been updated with 2015 rates and formulas.

This Subsidy Calculator is based on formulas and regulations defined by the Affordable Care Act (ACA/Obamacare). The law created a system that provides financial help to low and middle income families in the form of a “subsidy.” Subsidies are primarily based on two criteria: your eligible “cap rate” and the cost of the “second cheapest Silver Plan” in your area.

The cap rate limits how much families have to pay for health insurance based on their income level relative to the official Federal Poverty Level (FPL). If an individual earns $25,000 a year, for example, they are at 200% of the FPL and their cap rate is then defined by the ACA to be 6.3% of their income, or $131 per month. Cap rates are based on your FPL.

To then determine the subsidy amount, the government covers all costs above the price of the “second cheapest silver plan” in your area. So in the example above if the second cheapest silver plan is $250 per month and your cap rate is $131 per month, the subsidy is then $119 per month. Note, if you choose a different type of plan, such as a Bronze or Platinum plan, your subsidy remains the same, $119.

State rates in this calculator are based on data published by HHS and a review of insurer rate filings to state regulators. Since most states have several rating areas each with varying rates, this calculator uses the rates from the largest populated city in their selected state. Age premiums were calculated using the 1:3 limit as defined in the law and insurers may charge extra for tobacco use and rates can be up to 50% higher than those shown.

For the tax penalty, 2% of income is taxed for 2015. However the minimum penalty is $325 plus $162.50 for each child up to $975 per family. The maximum penalty cannot exceed the average price of a bronze plan which is projected to be $3,816 annual per adult in 2015 and $2,014 per child

This tool is for research purposes only. The results shown are estimates based on information provided by the user and our best efforts to provide accurate data. We try to keep the information up to date however we cannot make warranties about the accuracy of our information. We advise that users confirm any research with the respective health insurance companies and health exchanges.

Embed Calculator
Premium and subsidy calculator for the Affordable Care Act (Obamacare)

Use this calculator on your site

Unlike other ACA Subsidy Calculators, Health Network has specifically designed this one for publishers by allowing their users to see results without leaving the page they’re on.

Core Features:

+  Does NOT re-direct users off-site to view results; instead keeps user on publisher’s site
+  Updated with 2015 rates and formulas for all states
+  Updated 2015 tax penalties for not enrolling
+  Responsive & mobile friendly to adjust to all web pages and devices
+  Publishers can choose to exclude phone numbers and lead forms or not
+  Certified by Health Network to ensure customer data is protected. Learn more at vp.healthnetwork.com

To embed this calculator on your site simply copy and paste the basic code below.

Includes enrollment options (lead forms and phone numbers)

Your Domain Name:

Does not include enrollment options

Coming 11/21/14

Private label or affiliate program

If you’re a quality publisher with a large volume of visitors each month, Health Network can provide a custom-branded calculator for your site to help provide a seamless experience for your users. In addition, Health Network offers other partnership opportunities such as affiliate programs, lead forms, advertising feeds, and other shared-revenue programs for your consideration. For more information email us at partners@healthnetwork.com.