Subsidies are financial assistance from the Federal government to help you pay for health coverage or care. Yes, t he calculator estimate s how much you may pay and the amount of financial assistance you will receive under the Inflation Reduction Act (IRA), which continued expanded amounts and eligibility for Marketplace subsidies. Has the calculator been updated for the changes enacted through the Inflation Reduction Act (IRA) ? For example, the calculator relies completely on information as you enter it, whereas the Marketplace may calculate your Modified Adjusted Gross Income (MAGI) to be a different amount or may verify your income against previous year’s data. To find out if you are eligible for financial assistance and to sign up, you must contact, your state’s Health Insurance Marketplace, or Medicaid program office.Īlthough the Health Insurance Marketplace Calculator is based on actual premiums for plans sold in your area, there are several reasons why your calculator results may not match your actual tax credit amount. The calculator is intended to show you an estimate of how much you may pay and the amount of financial help you may be eligible for if you buy coverage through the Health Insurance Marketplace.
Yes, the calculator now shows premiums for 2023 in all states.ĭoes the calculator provide definitive results for what I will pay? Has the calculator been updated for 2023? If you have additional questions, we suggest that you contact or your state’s Health Insurance Marketplace for more information. Please note that we are not able to provide individual advice or assistance understanding your results. If you continue to have technical problems with the Calculator after updating your browser, please contact KFF. Not sure which browser version you are running? Check here for IE or here for Firefox. Try updating to a newer version of your web browser. It could be that you are using an older version of Internet Explorer or Firefox. I am having difficulty viewing or understanding my results. However, we do provide answers to a number of frequently asked questions below, along with more detailed questions and answers in our Health Reform FAQ page. KFF is not able to provide individual advice on your insurance options. To find help from Navigators and other certified assisters in states, click here. You can also contact your state’s Consumer Assistance Program, Exchange, or Medicaid office with questions about eligibility and enrollment. If you have questions about how the health reform law will affect you and your insurance options, please go to, or contact their Help Center at 1-80 if you have questions that cannot be answered on their website. Where can I go for help understanding how the health reform law will affect me? Actual tobacco surcharges will vary by plan and some states do not permit insurers to vary premiums by tobacco status. However, in most states, insurers can charge a tobacco surcharge of up to 50% of your total premium, and tax credits do not apply to the surcharge. The calculator does not display a tobacco surcharge. Premiums in the calculator vary by age within the three to one limit specified in the law, using age factors from proposed regulations issued by HHS (or, state specific age factors where states have adopted them). The premium is adjusted for family size and age of the user. Actual premiums may be higher if plans include "non-essential benefits" such as dental or vision care. Premiums shown are the premium portion used for Essential Health Benefits. Not all plans are available in all parts of the county, so actual premiums may vary depending on plan availability.
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The silver premium is the second-lowest cost silver premium available in the county of the entered zip code and the bronze premium shown is the lowest-cost bronze plan in the county of the entered zip code. Premiums were obtained through data published by HHS, data received directly from state exchanges or insurance departments, and data collected from state-based exchanges by KFF researchers. Premiums displayed in the calculator’s results are based on actual exchange premiums in 2023 dollars. The calculator includes subsidy increases for 2023 in the Inflation Reduction Act. The Health Insurance Marketplace Calculator is based on the Affordable Care Act (ACA) as signed into law in 2010, and subsequent regulations issued by Health and Human Services (HHS) and the Internal Revenue Service (IRS). 31, 2023, to correct the poverty guidelines used when income is entered as a “Percent of Poverty.” 27, 2022, with premiums for 2023 plans, and again on Jan. Editor's Note: This calculator was updated on Oct.
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