ACA marketplace
See if you qualify for an ACA subsidy.
Lower- and middle-income households qualify for a federal premium tax credit that reduces monthly Marketplace plan costs — in Florida, often all the way to $0 for Bronze and sometimes Gold tiers. Estimate yours in under a minute.
39 days left to enroll for January 1, 2027 coverage.
Enroll by Dec 15 for Jan 1 coverage, or by Jan 15 for Feb 1 coverage.
Estimate your ACA subsidy
Enter your household size, projected income, and the ages of everyone who needs coverage. We'll estimate the monthly premium tax credit (APTC) you may qualify for.
How the subsidy works
- Your income is compared to the Federal Poverty Level (FPL). FPL varies by household size. Expressed as a percentage of FPL, your income determines what the government expects you to contribute toward health insurance.
- Your expected contribution is capped at a sliding scale. The percentage of income you’re expected to contribute ranges from about 2% at 100% FPL up to 9.83% at 300–400% FPL. Above 400% FPL, you don’t qualify for a federal subsidy at all.
- The difference becomes your tax credit. The benchmark Silver plan premium in your area minus your expected contribution = your monthly Advanced Premium Tax Credit (APTC). You can apply the APTC to any Marketplace plan.
- Plans cheaper than the benchmark cost you less. Apply your APTC to a Bronze plan or a Gold plan priced below the benchmark Silver, and in many Florida counties the net cost is $0 for subsidy-eligible lower-income households.
Note on 2027 plan year: The enhanced ARP/IRA premium tax credits have lapsed. The original ACA subsidy rules apply, including the 400% FPL subsidy cliff. If Congress reinstates enhancements, we’ll update this calculator immediately.
Ready to see real plan options?
A licensed El-Mag agent can pull your exact rating-area plans and finalize your subsidy with Healthcare.gov. Bilingual (English/Spanish) support available.