Your ACA Health Insurance Calculator

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We get it— choosing a healthcare provider can be confusing.

Medical expenses are the 3rd leading cause of bankruptcy in the US, so making the right choice can be critical.

With a little information, ILUMIA can estimate your annual out-of-pocket expenses for EVERY plan you're eligible for in the marketplace, according to each plans benefit structure.

Although cost is just one of the many factors to consider when deciding which plan is right for you, we're here to guide you through it, for FREE.

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How It Works:

  • Step 1: Eligibility
    Determine which plans you’re eligible for in the Healthcare.gov marketplace. (Note: we do NOT save or sell your data).
  • Step 2: Services
    Select the "services" you expect to use or want to estimate for the upcoming year—be it coverage for routine care, ongoing care (ex: therapy), or catastrophe (ex: hospitalization).
  • Step 3: Results
    Explore a complete list of every plan you're eligible for, along with a clear breakdown of how each service affects your costs across providers.

Let's go!

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Step 1: What Plans Are You Eligible For?

Using your age, location, and income, we determine every plan you are eligibile for in the healthcare.gov marketplace.

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Advanced Premium Tax Credit (APTC) Information

The APTC helps reduce your monthly premium payments if you qualify.

Check this box if you are eligible for the Advanced Premium Tax Credit. Visit healthcare.gov if you need to confirm your eligibility status.

If you know your APTC amount, enter it here. Otherwise, leave it blank and we'll calculate costs without it.

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