What would ACA Subsidies Have Been in 2022 if COVID-19 Relief Had not passed?

Financial Help for Health Insurance Coverage through Marketplaces

Note: This calculator is for illustration purposes and does not reflect enhanced subsidies under the ARPA (American Rescue Plan Act, COVID-19 relief) that are available temporarily through the end of 2022. For a version of the calculator that includes enhanced subsidies, click here.
About this tool

Note: This calculator illustrates 2022 premiums and subsidies without the extra premium help under American Rescue Plan Act (COVID-19 relief). 

The Health Insurance Marketplace Calculator provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance. You can also use this tool to estimate your eligibility for Medicaid. As eligibility requirements may vary by state, please contact your state’s Medicaid office or Marketplace with enrollment questions.

Enter Information About Your Household

1. Select a State ?

Enter your zip code

Select county

2. Enter income as

3. Enter your yearly household income (dollars) ?

4. Is coverage available from your or your spouse’s job? ?

5. Number of people in family ?

6. Which members of your family are enrolling in Marketplace coverage? ?

6. Number of adults (21 to 64) enrolling in Marketplace coverage ?

7. Number of children (20 and younger) enrolling in Marketplace coverage

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). The calculator reflects subsidies for 2022 had the American Rescue Plan Act (ARPA) of 2021 not passed.  This calculator is for illustration purposes only.  For the 2022 calculator, including extra ARPA premium assistance available through the end of 2022, see here.

Premiums displayed in the calculator’s results are based on actual exchange premiums in 2022 dollars. Premiums were obtained through data published by HHS, and data collected from state-based exchanges by KFF researchers. 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. Not all plans are available in all parts of the county, so actual premiums may vary depending on plan availability. Actual premiums may be higher if plans include "non-essential benefits" such as dental or vision care.

The premium is adjusted for family size and age of the user. 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 calculator does not display a tobacco surcharge. 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. Actual tobacco surcharges will vary by plan and some states do not permit insurers to vary premiums by tobacco status.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.