Two kinds of help
There are two separate ways Marketplace coverage can cost you less:
- Premium tax credits — lower what you pay each month for your plan. They're based on your estimated income and household size.
- Cost-sharing reductions (CSR) — lower your deductible and out-of-pocket costs. These are tied to Silver plans and a narrower income range.
What decides whether you qualify
Eligibility is based mainly on your household size and your estimated income for the year, measured against federal guidelines. Generally, the lower your income within the qualifying range, the more help you may receive.
Important: the specific income thresholds and how generous the credits are can change from year to year as the law changes. Enhanced credits that were in place in recent years were scheduled to phase down, which can affect what you'd pay for 2026 and beyond. Don't assume last year's number — have a licensed agent check the current figures for you.
A reality check on the estimator below
The quick estimator on this page is illustrative only. It gives you a rough sense of whether savings might be in play — it is not a quote, an application, or a guarantee. Your real eligibility depends on verified income, household details, where you live, and the current year's rules. The only way to know your actual number is to apply with help from a licensed agent.
Illustrative estimate only — not a quote, application, or guarantee. Real eligibility depends on verified income, household, location, and the current year’s rules.
Your rough picture
Good chance of real savings.
Households in this range often qualify for help with premiums and may get extra cost-sharing savings on a Silver plan.