CHOICEBenefits.ai

JANET · MARKETPLACE SAVINGS

Calculate My Subsidy

See a federal premium tax credit estimate for one adult seeking coverage.

Let’s see if you could pay less.

Tell JANET a little about yourself. We’ll check the information needed for Marketplace savings and help you confirm local plan prices.

You don’t need to know insurance terms or plan prices to get started. Your income stays in this tab; your contact information is saved privately for follow-up.

Your quote contact details

Enter your details to view your quote and let our benefits team follow up.

Contact details go to our private lead system. Income and eligibility answers stay in this tab.

Household income generally includes income for you, your spouse and tax dependents who must file. Your advisor can help confirm what counts.

A few quick questions

Not sure is a valid answer. We’ll guide you to an advisor instead of guessing your eligibility.

You can submit this form without plan prices. Our team can follow up to confirm the local prices needed for a dollar savings estimate.

How JANET calculates it

The benchmark minus the household’s expected contribution determines the potential federal credit, capped at the chosen plan’s eligible premium. Your ICHRA allowance is never added to a premium tax credit.

2026 uses the 2025 poverty guidelines and 2026 IRS contribution table; 2027 uses the 2026 guidelines and 2027 table. Actual income and eligibility may change the final credit when you file your tax return. Check before changing or declining coverage.

2026 IRS rules · 2027 IRS rules · Federal poverty guidelines · ICHRA and tax credits

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