Determine Your Eligibility and Estimate Your Healthcare Subsidy

If you are buying health insurance on your own (you don’t have coverage through your employer), tax subsidies can help you cover some of your costs. Tax subsidies are based on your income and household size.

This subsidy calculator will help you determine:

  • If you qualify for a monthly tax subsidy from the federal government (also known as a health insurance premium tax credit) to help pay for your monthly health insurance premium
  • How much that subsidy could be

Fill out the information below to view an estimate of the subsidy you’re eligible for and to view available plans.

You may be able to lower the costs of your health insurance coverage.

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  1. Employer coverage is considered affordable - as it relates to the premium tax credit - if the employee’s share of the annual premium for the lowest priced self-only plan is no greater than 9.5% of annual household income. People offered employer-sponsored coverage that’s affordable and provides minimum value aren't eligible for a premium tax credit.
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More about Healthcare Subsidies

Advance Premium Tax Credits (Tax Subsidies)

Tax subsidies reduce the amount you spend on your monthly premium. To qualify for a tax subsidy, you must make less than 400 percent of the federal poverty level.

Cost-sharing Subsidies

While tax subsidies help you pay for your monthly premium, cost-sharing subsidies lower your other out-of-pocket costs for healthcare coverage, including deductibles, copays, coinsurance and out-of-pocket maximum. To qualify for a cost-sharing subsidy, you must make less than 250 percent of the federal poverty level. Cost-sharing subsidies can only be used with a silver plan purchased on the public Marketplace (Healthcare.gov).

Medicaid

In Ohio, if you earn less than 139 percent of the federal poverty level, you will be eligible for Medicaid. Learn more about the federal poverty amounts. To apply for Medicaid, visit Medicaid.gov.

Employer-Sponsored Health Insurance

If your employer offers health insurance, but it is not considered affordable or it does not meet the Affordable Care Act’s definition of minimum value, you may qualify for a subsidy to buy health insurance on your own.

For more information about subsidies, read our Affordable Care Act subsidy FAQs.