Health Insurance Subsidy Guides
Everything you need to know about ACA health insurance subsidies, marketplace premiums, Medicaid eligibility, and how to find affordable coverage.
-
Guide
How to Lower Your MAGI for a Bigger ACA Subsidy in 2026
Six legal levers that reduce your modified adjusted gross income — HSA, traditional IRA, pre-tax 401(k), self-employed deductions — and exactly how each one changes your ACA premium tax credit now that the 400% subsidy cliff is back.
Read the guide → -
Guide
Premium Tax Credit Repayment 2026: Form 8962 Math, By Income
If you took an ACA premium tax credit and your actual income was higher than estimated, here is exactly how much you owe back on Form 8962 — and why the 2026 rules are stricter than 2025.
Read the guide → -
Guide
Medicaid Income Limits by State: Who Qualifies in 2026?
See the 2026 Medicaid income limits for every state. Learn who qualifies for Medicaid, how expansion status affects eligibility, and how to sign up.
Read the guide → -
Guide
Deductible vs Copay vs Out-of
What is a health insurance deductible? How does it differ from a copay or out-of-pocket max? A plain-English guide with a worked $5,000 medical bill example.
Read the guide → -
Guide
What Is Marketplace Insurance? ACA Plans Explained
What is marketplace insurance? A plain-English guide to Obamacare plans, metal tiers, premium tax credits, open enrollment, and what ACA coverage actually costs in 2026.
Read the guide → -
Guide
Medicare vs Medicaid: Key Differences Explained
Medicare vs Medicaid: understand the key differences in eligibility, coverage, costs, and enrollment. Simple guide to which program you qualify for.
Read the guide → -
Guide
The ACA Subsidy Cliff Is Back in 2026: What It Means for Your Health Insurance
The enhanced ACA subsidies expired in 2025. Learn what the subsidy cliff means for people earning above 400% FPL, how much more you could pay, and what options you have in 2026.
Read the guide → -
Guide
Medicaid vs. Marketplace Insurance: Which One Are You Eligible For?
Learn the difference between Medicaid and ACA marketplace insurance. Find out which one you qualify for based on your income, household size, and state of residence.
Read the guide → -
Guide
2026 Obamacare Premiums by State: How Much Will You Pay?
See how ACA marketplace premiums vary by state in 2026. Compare benchmark Silver plan costs, learn what drives pricing differences, and find the cheapest and most expensive states.
Read the guide →
Want to see how much you could save?
Use the ACA subsidy calculator to find out in under a minute.
Check Your Subsidy →