About SubsidyCalc

SubsidyCalc is an independent data project focused on making ACA health insurance subsidies and Medicaid eligibility easier to understand. The site provides free calculators, state-by-state eligibility guides, and educational content to help Americans navigate their health coverage options.

What We Do

Health insurance subsidies and Medicaid rules are complicated. Income thresholds change every year, subsidy formulas shift with policy changes, and eligibility rules vary by state. SubsidyCalc compiles official federal and state data into tools that give you clear, actionable answers:

ACA Subsidy Calculator — Estimate your premium tax credit based on household size, income, and the current federal poverty level guidelines
Medicaid Eligibility Guides — State-by-state income limits, expansion status, and enrollment information for all 50 states and D.C.
Subsidy Repayment Calculator — Understand potential repayment amounts if your income changes during the year

Our Data Sources

All calculations and eligibility information are based on official federal data:

HHS ASPE — Federal Poverty Level guidelines, updated annually
CMS (Centers for Medicare & Medicaid Services) — Medicaid enrollment data, eligibility thresholds, and state waiver information
HealthCare.gov — Marketplace benchmark plan data and subsidy methodology
KFF (Kaiser Family Foundation) — ACA subsidy formula reference and policy analysis

For full details on how we use these sources, see our Methodology page.

Independence

SubsidyCalc is not affiliated with any health insurance company, insurance marketplace, government agency, or political organization. The site is built and maintained by one person as a public data resource. There are no sponsored results, affiliate links, or insurance lead generation on this site.

Corrections & Feedback

Health insurance policy changes frequently, and state Medicaid rules can shift with waivers and legislative action. If you find outdated or incorrect information on SubsidyCalc, please contact us with the specific page URL and a source link so we can verify and update the data promptly.