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Healthcare Subsidy Tool

Help Determine Eligibility and Costs in Health Care Subsidies

The Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA), was signed into law on March 23, 2010. Since then, many people have been confused about their eligibility, costs and benefits.

VisualCalc has created the website calculator below to help you determine eligibility, potential premium costs, and subsidy amounts associated with purchasing insurance under the Affordable Care Act.


Tips for Using This Calculator

  • Use the table input boxes, sliders, check boxes and dropdowns to enter data.
  • Enter ballpark values by clicking on and dragging the sliders left or right.
  • Enter exact numbers by clicking in the box and typing your number, then hit the enter key or the tab key. Click and hold the arrows at either end of the slider bar to change the value by a set amount.
  • Click on the plus/minus icon or section heading text to expand or collapse sections to help manage viewing area.
  • The results of your calculations show in the box near the bottom of the calculator.

Additional Guidance on Specific Calculator Fields

  • Number in Household: Enter the total number of persons in your household (up to 10) to be covered by the health insurance purchased through the provisions of the Affordable Care Act.
  • Household Member Table: Enter household member information for one person per row.
  • Age: Enter the person's age.
  • Smoker: Check this if the person is a smoker (including for those less than 20). Some states by law do not allow increased premiums for smokers. If you are in such a state, leave this unchecked. 
  • Annual Income: Enter your current annual income. The amount actually used to determine subsidy amounts is the Modified Adjusted Gross Income (MAGI). For purposes of this calculator, annual income is typically used. For more accurate results, you can use MAGI. Refer to the IRS website for help on calculating your MAGI.
  • Have Health Coverage through an Employer?: Check this if you are eligible for health care coverage through your employer (even if you decline coverage although it is available).
  • Location: Select your state or District of Columbia from this dropdown. If no location is selected, US average values are used, reducing potential accuracy.
  • Health Care Premium: Optionally enter the health care premium amount for the principal adult in the household. By convention, this is the first adult entered in the table. As other data is entered, the calculator automatically updates this value according to current input values. If a more accurate premium amount is known, that value can be entered and will be used in all subsequent calculations.
  • Results Graph: The graph shows the amount of the premiums paid for health insurance, the net cost to purchase, and tax credit subsidy for those eligible.
  • Results Box: The dynamic results box displays premium amounts before and after any subsidies, subsidy amount, or descriptions of other health care subsidy scenarios.

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