Free tool · No sign-up
ACA savings estimator
See how the Affordable Care Act calculates what a household is expected to contribute toward health coverage. No name, email or phone number required.
Your estimate appears here
Fill in your state, household size and estimated income to see how the ACA calculates what a household is expected to contribute.
How ACA savings actually work
The Affordable Care Act caps what a household is expected to pay for a benchmark plan, the second-lowest-cost Silver plan in your area. That cap is a percentage of your income, and the percentage rises as income rises.
A premium tax credit covers the difference between that cap and the benchmark plan's actual premium. If you choose a cheaper plan than the benchmark, you pay less; if you choose a more expensive one, you pay the difference yourself.
Below 250% of the Federal Poverty Level, cost-sharing reductions may also apply. These lower your deductible, copays and out-of-pocket maximum, but only on Silver plans. This is why an agent will often point a lower-income household toward Silver even when Bronze looks cheaper on paper.
What this tool cannot tell you
Want the real numbers for your ZIP code?
A licensed agent can show you the actual plans and prices available where you live.
My Health Enrollment is a private insurance agency. We are not affiliated with, endorsed by, or acting on behalf of any government agency, including the Centers for Medicare & Medicaid Services (CMS) or Healthcare.gov.