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.

Full nameEmail addressPhone number

I agree that The ICHRA Shop may contact me about this quote or estimate.

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

Coverage yearHome ZIPCounty, if you know itYour stateYour age during the coverage yearHow many people are on your tax return?Expected household income for the year ($)Does your job offer health coverage?

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

Who needs help paying for coverage?Will you file your own tax return?Could you qualify for Medicare, Medicaid or CHIP?Do you live in the U.S. and meet Marketplace citizenship or immigration requirements?

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

For your advisor: add verified plan prices (optional)

You can skip this section. Exact dollar estimates need local Marketplace premiums that your advisor can confirm. JANET’s off-Exchange rate examples cannot be used as the subsidy benchmark.

Verified Marketplace premiums

Second-lowest-cost Silver benchmark ($ / month)Chosen on-Exchange plan’s full premium ($ / month)Chosen plan’s tax-credit-eligible premium ($ / month)

Use only the eligible essential-health-benefit portion; exclude tobacco surcharges and non-eligible benefits. Catastrophic plans cannot receive a premium tax credit.

My benchmark and chosen premiums are verified on-Exchange figures for the same person, county, coverage month and year; the chosen plan is not catastrophic.

If plan prices aren’t entered, we’ll explain the next step to confirm your savings. No dollar subsidy will be invented.

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

Request an agent call about my savings

Calculate My Subsidy

Let’s see if you could pay less.

A few quick questions

Your work allowance

Verified Marketplace premiums

How JANET calculates it