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Notice: During the government shutdown, continue using your 2025 health insurance plan and providers. Use this site to apply for and enroll in 2026 coverage during Marketplace Open Enrollment.

Saving money on health insurance

Income levels & savings

Check if you might save on Marketplace
, or qualify for
or
, based on your income. You'll also find out who to include in your household and how to estimate income before you apply.
You'll get exact plan prices and savings when you fill out a Marketplace application.

More help before you apply

  • Estimating your expected household income
    • You can start with your household’s 
       and update it for expected changes. (Savings are based on your income estimate for the year you want coverage, not last year.)
    • 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.
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