Your Progress Step 1 of 4

How many people are in your household?

Include yourself, your spouse, and any dependents you claim on your taxes.

2 people in household

What is your estimated 2026 annual income?

Use your best estimate. This determines your subsidy eligibility.

$48,000 _{/ year}

$12,000$150,000+

What is your ZIP code?

We use this to show plans available in your area.

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Your 2026 ACA Estimate

Based on what you told us,
you may be leaving this much unclaimed.

Estimated Money Left on the Table

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per year without expert guidance

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Unclaimed subsidy credits

Income projection errors change your credit — and can create tax surprises later

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Skipped cost-sharing reductions

Below 250% FPL, silver CSR plans can reduce deductibles and copays dramatically

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Wrong plan for doctors & Rx

Lowest premium ≠ lowest cost once your usage is included

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Enter your info to see your full breakdown + how to fix it.

A licensed agent will reach out — free, no obligation.

First Name

Last Name

Phone Number

🔒 We never sell your info · No spam · Licensed agent only

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Your 2026 ACA Results

You qualify for this much in subsidies.

Here’s your estimate — and what you risk missing without guidance.

Your 2026 Monthly Subsidy

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per month toward your premium

💸 —/yr in credits you're entitled to

What You Risk Leaving Unclaimed

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estimated money left on the table without guidance

⚠️ A local agent costs you nothing.

Where people leave ACA money on the table

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Claiming the wrong subsidy amount

Income projection mistakes can reduce credits or create a tax bill later.

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Skipping cost-sharing reductions (CSR)

Below 250% FPL, CSR silver plans can reduce deductibles and copays.

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Picking the lowest premium, not the lowest cost

Cheaper premiums can hide higher deductibles and out-of-pocket costs.

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What a local agent can do for you

Optimized Monthly Premium

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estimated after applying credits + plan optimization

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Every subsidy credit applied — CSR included when eligible

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Plans filtered for your doctors (and prescriptions if you share them)

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Income projection dialed in to maximize credits and reduce tax-bill risk

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Zero cost to you — agents are paid by insurers

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ACA open enrollment has deadlines. If you miss the window, you may need a qualifying life event.

What would you like to do next?

✓ Licensed Agent

✓ Free Service

✓ 2026 Estimates

✓ No Obligation

Important: GenerationHealth.me is not affiliated with HealthCare.gov, the Federal Marketplace, or CMS. Plan availability and pricing vary by county/ZIP. Estimates are illustrative and for educational purposes. Actual subsidy amounts depend on your final household income and the benchmark plan available in your area.

ACA Subsidy Calculator