ACA · Under 65 · Licensed in all 50 states

Most people qualify for a $0/mo ACA premium. Are you one of them?

We check the subsidy you qualify for, compare every Marketplace plan in your ZIP, and make sure your doctor is in-network — all before you enroll. Free, licensed, no pressure.

60 seconds · No spam·Or call (833) 555-0199

Free subsidy calculator

See your estimated premium in 60 seconds

Quick estimate based on your ZIP, household size, and income. A licensed advisor gives you an exact comparison.

ZIP code

Household size

Your age

Annual household income ($)

Estimates are based on 2026 federal poverty level tables and average Silver plan premiums in your ZIP code. Exact plans, premiums, and subsidies may differ. A licensed SilverEdge advisor will pull your real numbers when you're ready.

What you get

Your full ACA picture — in one call

Subsidy check

We calculate every federal premium tax credit and cost-sharing reduction you qualify for based on your income, age, and household.

Plan comparison

Every Marketplace plan in your ZIP, side-by-side. Bronze, Silver, Gold, Platinum — filtered by your doctors, your drugs, and your budget.

Help enrolling

We handle the application paperwork, coordinate with the carrier, and are here all year for questions, claims issues, and SEPs.

Can I enroll right now?

Special Enrollment Periods

Outside of Open Enrollment (Nov 1 – Jan 15), you can still enroll if you've had a qualifying life event in the last 60 days:

Lost job-based coverage

Moved to a new ZIP

Got married

Had a baby or adopted

Income changed significantly

Aged off parent's plan (26)

Lost Medicaid / CHIP

Became a citizen

Call to check eligibility · (833) 555-0199

Ready to talk?

Request a free ACA plan comparison.

A licensed ACA specialist in your state will reach out — usually the same day.

ACA FAQ

Common questions

How does the ACA subsidy work?

The Advance Premium Tax Credit (APTC) reduces your monthly premium based on your household income and size. Under current rules, households earning up to 400% of the Federal Poverty Level — and often higher, depending on your state and plan benchmark — qualify for subsidies. We calculate yours for free.

What's the difference between Bronze, Silver, Gold, and Platinum?

Metal tiers indicate how the plan splits costs with you. Bronze = lowest premium, highest out-of-pocket. Platinum = highest premium, lowest out-of-pocket. Silver plans also trigger cost-sharing reductions for lower-income households, which often makes them the best value even at higher premiums.

Can I keep my doctor?

Often yes. Before you enroll, we check every plan's provider network against your current doctors. If your doctor is out-of-network on one plan but in-network on another, we'll flag it.

What if I missed Open Enrollment?

You may still qualify through a Special Enrollment Period if you've had a qualifying life event in the last 60 days — losing coverage, moving, marriage, birth, income change, and more. Call us to check eligibility.

Does SilverEdge cost anything?

No. Carriers pay us a commission when you enroll. Our service is completely free to you.