Register your medications here. We will review them during enrollment. If your selected plan doesn't cover them optimally, our agents will contact you to find the right fit.
🩺 Is My Doctor In-Network?
Register your primary doctors and specialists. We will verify their network status during enrollment. If they are out-of-network on your chosen plan, we will contact you to offer a better option.
📊 2026 Federal Poverty Level (FPL) Chart
Your income relative to the FPL determines your subsidy amount. Subsidies are available from 100% to 400% FPL.
HOUSEHOLD
100% FPL MEDICAID LINE
150% FPL MAX SUBSIDY
250% FPL CSR CUTOFF
400% FPL SUBSIDY LIMIT
1 person
$15,960
$23,940
$39,900
$63,840
2 people
$21,640
$32,460
$54,100
$86,560
3 people
$27,320
$40,980
$68,300
$109,280
4 people
$33,000
$49,500
$82,500
$132,000
5 people
$38,680
$58,020
$96,700
$154,720
6 people
$44,360
$66,540
$110,900
$177,440
💡 Tip: If your income falls between 100–150% FPL your required contribution is $0 — meaning you may qualify for a $0/month plan. Silver plans between 100–250% FPL also include Cost Sharing Reductions (CSR) that dramatically lower your deductible and copays.
Step 1 of 3
Find the right health plan for you & your family
Shop real 2026 ACA marketplace plans. Let's start with where you live.
ZIP Code*
State*
Step 2 of 3
Calculate your 2026 Subsidy
We use these details to calculate your exact monthly Advance Premium Tax Credit (APTC).
Your plans and subsidy are ready. Enter your info to view them instantly.
First Name*
Last Name*
Email Address*
Phone Number*
We shop with HealthCare.gov for ACA plans and other recognized carriers for supplemental coverage.
⚡ Quote in 1 minute — Enroll in 5 minutes. We simplified the entire process for you.
🎯 Find Your Best Plan
Answer 3 quick questions and we'll highlight the best plans for your situation.
View:
💰 Your 2026 Estimated Subsidy
Federal Poverty Level
100% FPL138% (Medicaid)200%300%400%+
Enter your info above to get started
We'll search real ACA marketplace plans in your area and calculate your exact 2026 subsidy automatically.
How to Apply for Health Insurance
A step-by-step walkthrough of the ACA application process.
📋 What You'll Need
Gather these before you start your application
⚠️ Critical Accuracy Rules
Errors can cause coverage loss or repayment demands
💵 Income = Household Income
Report your total projected household income for the year — include wages, self-employment, tips, rental income, Social Security, and any other taxable income for ALL members of your tax household.
🚫 Don't Underreport Income
If your actual income is higher than reported, you'll owe back part or all of your subsidy at tax time. The IRS reconciles your advance credits every year.
✅ Report Life Changes Quickly
Marriage, birth, job loss, income changes — report within 30 days on Healthcare.gov to avoid subsidy mismatches.
Ready to watch step-by-step video guides?
Our video tutorials walk you through every section of the application with real examples.
Video Application Guides
Watch before you apply. These guides explain every part of the ACA application in plain English.
These are educational video scripts — click any card to read the full tutorial content, key warnings, and step-by-step instructions for each topic.
Your Coverage Profile
This information is used to find plans in your area and calculate your 2026 Advanced Premium Tax Credit (APTC) subsidy.
Healthcare Express