The Headline
Federal subsidies through Covered California are more generous than pre-2021 levels. Most marketplace shoppers qualify for some help, and many qualify for substantial premium reductions.
How Subsidies Work
The Advanced Premium Tax Credit (APTC) caps the percentage of income you pay for the second-lowest-cost Silver plan in your area. The cap scales with income, starting at 0% for the lowest incomes and topping out around 8.5%.
Estimating Your Subsidy
Use our quick calculator at /resources/tools/medicare-cost (yes, it works for ACA too) - or call us for a no-cost 20-minute review.