A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-383-5527
Speak with a licensed insurance agent 888-383-5527
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why subsidy amounts in 2026 may be different.
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Federal poverty level for 2026 coverage
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Frequently-asked questions by tag

I earn too much to qualify for a subsidy. Why should I buy through the exchange? photo

I earn too much to qualify for a subsidy. Why should I buy through the exchange?

December 5, 2025 – If you don’t qualify for ACA subsidies (premium tax credits), should you still buy through the Marketplace? Learn the advantages,…

What happens if I don’t buy ACA-compliant health insurance? photo

What happens if I don’t buy ACA-compliant health insurance?

October 6, 2025 – If you don't purchase ACA-compliant health insurance, you could miss out on financial assistance in the form of premium subsidies, as well…

If I don’t enroll in a plan by the open enrollment deadline, what are my options? photo

If I don’t enroll in a plan by the open enrollment deadline, what are my options?

September 22, 2025 – Your options for coverage are very limited if you don't enroll in a plan by the end of open enrollment in your state. The open enrollment…

If I can’t buy a short-term plan and I don’t have a qualifying event, what are my coverage options? photo

If I can’t buy a short-term plan and I don’t have a qualifying event, what are my coverage options?

July 31, 2023 – So what are your options if you’re not eligible to enroll in an ACA-compliant plan and short-term plans are not for sale in your area?…