ACA tax-credit estimates & personalized plan prices

Compare personalized plan prices and estimated Marketplace savings for your household. The quote form retrieves plan prices for you.

By Joseph F. Gioia, independent licensed insurance broker

Start personalized quotes Use the optional 2026 worksheet

Compare plans for your household

Enter your location and household details to see plan prices and estimated tax credits from HealthSherpa.

Compare coverage for your household

Coverage to compare Preferred coverage start date (optional)

The date must fall within your chosen coverage year. A quote does not establish that you can enroll on that date.

No name, email, Social Security number or exact birth date is needed for this quote. Fields are required unless marked optional.

1 · Location & coverage year

ZIP codeCountyCoverage year

ZIP codes can cross county lines. Choose the county where you actually live. Availability depends on the selected year; a quote is not an enrollment-window decision.

2 · Tax household & income

People in your tax householdEstimated yearly household incomeAffordable job coverage offered?

Count everyone on the tax return, even if some do not need new coverage. Add only the people needing coverage in step 3.

Use expected annual household income for the coverage year. The Marketplace uses modified adjusted gross income (MAGI). Job offers and other eligibility rules can affect savings.

Skip income and show full prices without a tax-credit estimate.

3 · People who need coverage

Enter age when coverage starts. Include one primary applicant, and add a spouse or dependents only if they also need coverage. Ask Joseph about Medicare, Medicaid, CHIP or employer coverage that may affect each person’s eligibility.

4 · Compare what matters to you

Plan categorySort results by

Results follow your selected sort order. Compare provider access, prescriptions, and out-of-pocket costs as well as premiums. Cost-sharing reductions (CSR) can lower deductibles, copays, and coinsurance for eligible Silver plan members. Sorting by CSR level does not confirm eligibility. Special CSR rules and catastrophic plan eligibility require separate review.

More ways to narrow your options

Insurance companyPlan type

Select your county and coverage year to see available insurance companies. Availability will be checked again when you request quotes.

Minimum full monthly premium (optional)Maximum full monthly premium (optional)

These limits apply before tax credits, not to your estimated payment after credits.

Show HSA-eligible plans only. Personal eligibility to contribute to an HSA requires separate review. Show standardized medical plans only.

Review options with Joseph

Quotes are estimates, not binding offers or eligibility decisions. The Marketplace confirms tax credits and enrollment eligibility. We do not store these quote entries in a client database or send them to analytics. This form does not save entries to browser storage. Use “Clear my entries” to reset it. No application is submitted here.

Find a doctor or facility

Search by name near a ZIP code. Results identify providers; they do not confirm participation in any insurance plan. Use the plan’s provider directory and confirm with both the provider and insurer.

Provider participation must be verified for the exact plan and year.

Optional 2026 worksheet: estimate savings using a known benchmark premium

You can use this tool without providing your name or phone number. Your results will appear below.

How this tool works and official sources

What this illustration can show

For 2026 coverage, the tool uses the 2025 poverty guidelines and the IRS contribution table. Enter your tax-household size and projected annual income. To illustrate a credit, use an actual full-price monthly benchmark Silver premium for the people seeking coverage. The worksheet uses the benchmark premium you enter rather than estimating one from your age or state.

Example

Example: a fictional one-person household with $31,300 annual income is at 200% of the applicable poverty guideline. The conditional monthly benchmark contribution is $172.15. If an actual benchmark were $700, the illustrated credit would be $527.85, assuming eligibility.

What to confirm before making a decision

The Marketplace decides eligibility. An affordable employer offer, minimum value, other coverage, state programs, tax filing and which household members need coverage can change the answer. This tool withholds a credit estimate when an employer offer is present or uncertain.

Official sources

How the estimate is built

This conditional illustration uses the IRS 2026 contribution table and the 2025 HHS poverty guidelines. It uses only a benchmark premium you provide; it does not infer a premium from age or state averages.

Are subsidies still available in 2026?

Yes. Enhanced credits ended after 2025. Standard credits remain between 100% and 400% of FPL.

What is the benchmark Silver plan?

The benchmark is the second-lowest-cost Silver plan for the applicable people and area. Actual credits depend on eligibility, available premiums and other rules; confirm the result through the Marketplace.

ACA tax-credit estimates & personalized plan prices

Compare plans for your household

Compare coverage for your household

Find a doctor or facility

Your plan prices & estimated savings

Compare premiums and covered-care costs

Compare your selected plans

Estimate your monthly savings

How the estimate is built