This calculator designed to estimate federal premium assistance that may be available towards the cost of health insurance purchased directly by an individual (rather than through an employer). Using information you provide and the averages in this marketplace, it takes into account federal subsidies based on income, Medicaid eligibility, and other factors that impact premiums under the Affordable Care Act. This is only an estimate and not a guarantee. Actual results will vary. The numbers provided are for illustrative purposes only and cannot be relied upon.