Interactive tool

Coverage Affordability Check

Estimate whether your household qualifies for ACA marketplace subsidies, Medicaid, or CHIP from your state's expansion status and the federal poverty guidelines.

Educational only, confirm eligibility on HealthCare.gov or your state marketplace. This check uses the 2026 HHS poverty guidelines and KFF's May 2026 Medicaid-expansion tracker; it does not decide eligibility, immigration status, household tax rules, or state-specific program requirements.

Tax-filing household size including dependents.

Modified Adjusted Gross Income (MAGI) - total before tax.

Determines the 2026 HHS guideline schedule and the Medicaid-expansion pathway.

How this estimate works

The check applies the 2026 HHS poverty-guideline schedule for your selected state to compute your household's percentage of the guideline. The 48 contiguous states and DC use $15,960 for one person plus $5,680 for each additional person; Alaska and Hawaii use their own higher published schedules. Marketplace premium tax-credit eligibility generally uses household income between 100% and 400% of the guideline. Cost-sharing reductions may be available from 100% through 250% on Silver plans.

In Medicaid expansion states, adults below 138% of the guideline may qualify for Medicaid. KFF's May 2026 tracker lists 10 non-expansion states (AL, FL, GA, KS, MS, SC, TN, TX, WI, WY). Adults below 100% of the guideline in those states may have fewer Marketplace options, while Medicaid and CHIP rules can still vary by household, age, disability, pregnancy, immigration status, and state program.

This tool does not account for: short-term policy options, employer-sponsored insurance affordability tests, special enrollment periods, or state-specific Medicaid expansion variants. For a binding determination, apply directly via HealthCare.gov or your state marketplace. Sources: 2026 HHS poverty guidelines and KFF Medicaid expansion tracker.

Source: HHS ASPE Federal Poverty Guidelines (2026) + KFF Medicaid expansion tracker PlainHealthAccess is not affiliated with HHS, CMS, or KFF

Every figure on PlainHealthAccess is rendered directly from HRSA source data, no number is typed in by an editor. This calculator applies the published federal poverty guidelines and each state's Medicaid expansion status entirely in your browser; it does not submit your inputs anywhere. See our editorial standards & corrections policy, the methodology behind these numbers, review the public data changelog, or report a data issue for this page.