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Cost-Savings Check

See If You Qualify for Lower Premiums

Many households qualify for ACA subsidies that significantly reduce their monthly cost, and most people are surprised by how much they can save. Check your potential savings in about 60 seconds.

Free quote · No obligation · Takes ~60 seconds

Step 1 of 4

Where are you located?

Plans and subsidies vary by ZIP code.

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How subsidy eligibility works

Under the Affordable Care Act, the federal government may help pay part of your monthly premium through a subsidy. Whether you qualify, and how much help you get, depends on your household income relative to your household size. Because the threshold rises with each additional person, families often qualify even at higher incomes.

  • Eligibility is based on income and household size
  • Larger households can qualify at higher incomes
  • Savings are applied to your monthly premium
  • A licensed agent verifies the exact amount for you

You may be able to enroll right now

ACA plans are available during Open Enrollment, but a qualifying life event can open a Special Enrollment Period so you can sign up at other times of the year. If any of these happened recently, you may be able to enroll today.

  • Lost or losing existing health coverage
  • Moved to a new ZIP code or state
  • Got married or had a baby
  • A change in household income or size

What you will need

Checking your potential savings takes only basic information, and it does not require a Social Security Number or a credit check. Just tell us your ZIP code, household size, and an estimate of your income, and a licensed agent will follow up with your personalized options. There is no cost and no obligation.

Check your potential savings

Free, no obligation, and most clients hear back the same business day.

Get My Free Quote

Prefer to talk? Call (866) 604-2309

State Licensed

All 50 states

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TLS 1.3 secured

No SSN to Quote

Just basic info

Always Free

No broker fees, ever

Call (866) 604-2309

Mon–Fri 9am–6pm EST

Common Questions

Frequently Asked Questions

Yes, 100% free. We are a licensed insurance broker compensated by insurance carriers when you enroll. You never pay us anything — your premium is the same whether you use a broker or go direct.
No. Affordable Insurance Plans is a private, independent, licensed insurance agency. We are not affiliated with, endorsed by, or connected to HealthCare.gov, any state marketplace, CMS, or any government agency. We help you compare plans and enroll through licensed agents.
For people under 65, we compare ACA marketplace plans, private (off-exchange) major medical, short-term medical, fixed indemnity, dental and vision, and supplemental coverage. A licensed agent matches options to your budget, health needs, and state.
During business hours (Mon–Fri 9am–6pm ET), most clients hear back within 15–30 minutes. After-hours submissions are returned first thing the next business day.
No — not to get a quote. An SSN is only needed if you decide to formally enroll in a plan, and only at that point.
It depends on your household income and size, and subsidy rules changed for 2026. Some households still qualify for premium tax credits on ACA plans; others now pay full price and do better with a private or short-term option. A licensed agent will check your eligibility for free before you decide anything.
Employer coverage often locks out marketplace subsidies, but we can still review your situation. If your employer coverage is too expensive or lacks benefits you need, there may be alternatives worth exploring.
Absolutely. All data is encrypted in transit (TLS 1.3) and at rest. We never sell your data to third-party marketers. Your information is shared only with licensed agents working on your quote.