Saving money on health insurance

Income levels & savings

More help before you apply

• Estimating your expected household income for 2023
  • You can probably start with your household’s 
    adjusted gross income

    Your total (or “gross”) income for the tax year, minus certain adjustments you’re allowed to take. Adjustments include deductions for conventional IRA contributions, student loan interest, and more. Adjusted gross income appears on IRS Form 1040, line 11.

     and update it for expected changes. (Savings are based on your income estimate for the year you want coverage, not last year.)
  • You may qualify to enroll in or change Marketplace coverage through a new 
    Special Enrollment Period

    A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

     based on estimated household income. See if you may qualify.
  • Use our income calculator to make your best estimate.
  • Learn more about estimating income, and see what to include.
• Including the right people in your household
  • Count yourself, your spouse if you're married, plus everyone you'll claim as a tax dependent, including those who don’t need coverage.
  • Learn more about who to include in your household.