Home › Calculator › ACA subsidy checker

Would an ACA subsidy make health sharing the wrong move?

Health sharing is not insurance. If a marketplace premium tax credit already cuts your bill sharply, switching usually loses on cost and protection. This tool gives a labeled estimate — not a Healthcare.gov quote — so you can filter bad-fit switches before you talk to an advisor.

Your household

Adults on the application

Children (under 21)

Age band of oldest adult

State

Annual household income (MAGI approx.)$72,000

$12k$250k

Modified Adjusted Gross Income for marketplace subsidies — roughly your AGI with a few add-backs. Close is fine for this estimate.

Does anyone have an employer coverage offer?

Tobacco use (optional)

Your estimate appears here

We will show likely subsidy eligibility, a rough monthly net premium after credit, and whether health sharing is even in the conversation — labeled as an estimate, not a Healthcare.gov quote.

How this estimate works

Uses 2025 HHS Federal Poverty Guidelines for 2026 marketplace premium tax credit eligibility (standard ACA practice).
Applies the 2026 required contribution percentages with the 400% FPL subsidy cliff restored after enhanced credits expired.
State benchmark premiums are KFF 2026 average second-lowest-cost Silver plan (SLCSP) figures for a 40-year-old, scaled by age band and household shape.
An employer coverage offer often blocks marketplace subsidies when the offer is considered affordable — we cannot verify affordability here, so an offer marks eligibility as “maybe.”
Health sharing is not insurance. This tool is an estimate, not a Healthcare.gov quote or legal determination.

Sources: HHS poverty guidelines, Healthcare.gov premium tax credit rules, and KFF 2026 state benchmark premiums. Your real eligibility depends on full MAGI, household composition, immigration status, and employer-offer affordability tests we do not model here.