Premium Tax Credit Estimator
A free tool for self-employed people to see how income, retirement contributions, and HSA contributions change the cost of their health insurance.
What it does
- Builds your MAGI (the income number that sets your credit) step by step, so you can see exactly where it comes from.
- Shows how close you are to the 400% of poverty line “cliff,” where the credit stops.
- Estimates your monthly credit and what you’d pay for your plan.
- Shows how retirement and HSA contributions can lower your income and raise your credit.
- Works for sole proprietors, single-member LLCs, and S corporation owners, single or married.
- If your income is low enough that Medicaid may apply instead, it says so and explains what that means, including the Medicaid work requirements.
Your numbers stay with you. The estimator saves what you type in your own browser so you can come back to it. Nothing you enter is sent to me or anyone else. The one exception is an optional lookup of your benchmark premium, which sends only your ZIP code and ages (never your income).
Get the free estimator
Enter your email and I’ll open the estimator for you and email you the link. You’ll also get my shame-free money tips and updates. No spam. Just love.
You’re in! Open the estimator:
Bookmark the one you use. It saves your numbers in your own browser.
Good to know
- You don’t need to apply for coverage first. You’ll need a couple of numbers, like the benchmark premium for your area, and the estimator shows you how to find them.
- This is a planning estimate, not tax advice. I’m a money coach, not a CPA, licensed financial advisor, or bookkeeper. Please check your numbers with a tax professional before making decisions.
- Health insurance rules and the figures behind the credit change every year, and may change again. The estimator says which year’s figures it uses.
- Want help working out your numbers? Learn about money coaching or book a free feeler call.