Can't Afford Health Insurance? You Probably Qualify for $0-$50/Month Coverage
Health Insurance Isn't As Expensive As You Think.
Most Texans don't realize they qualify for premium tax credits that slash health insurance costs to $0-$300/month for families. If you're going uninsured because of cost, there's a better way—and we'll show you exactly how much you'll pay.
Going Without Coverage Because of Cost?
- Avoiding doctor visits because you can't afford them
- Worried about medical emergencies bankrupting your family
- Skipping prescriptions to save money
- Quoted $500-1,500/month and can't pay that
- Don't think you qualify for financial help
- Confused about subsidies and how they work
Get Affordable Coverage
See your price AFTER subsidies
Bronze, Silver, Gold options
We handle all the paperwork
Typical Monthly Costs:
- • Single person: $0-$100/month
- • Couple: $50-$200/month
- • Family of 4: $100-$300/month
- • All with premium tax credits
Free consultation and enrollment
What You'll Actually Pay with Subsidies
Real examples of Texas residents' AFTER-subsidy costs
Single, Age 30
$35,000/year income
Without Subsidy:
$450/mo
$5,400/year
With Tax Credits:
$85/mo
$1,020/year
Saves $4,380/year
Silver Plan, $6,500 deductible
Family of 4, Age 38
$65,000/year income
Without Subsidy:
$1,600/mo
$19,200/year
With Tax Credits:
$320/mo
$3,840/year
Saves $15,360/year
Silver Plan, $8,000 family deductible
Couple, Ages 55 & 52
$85,000/year income
Without Subsidy:
$1,400/mo
$16,800/year
With Tax Credits:
$520/mo
$6,240/year
Saves $10,560/year
Gold Plan, $4,000 couple deductible
Your Actual Cost Depends On
Household income, family size, age, ZIP code, and plan level (Bronze/Silver/Gold). Contact us for a personalized calculation.
How Premium Tax Credits Work
It's simpler than you think
Estimate Your 2026 Household Income
We help you project your total household income for the year. This includes wages, self-employment, unemployment, Social Security, pensions, and investment income.
Important: Use your estimated MAGI (Modified Adjusted Gross Income), not your gross pay. We'll calculate this for you during consultation.
Calculate Your Premium Tax Credit
Based on your income and household size, the government calculates how much you should pay for health insurance (usually 2-8.5% of income). The rest is covered by tax credits.
| Income as % of FPL | You Pay | Subsidy Covers |
|---|---|---|
| 100-150% | 0-2% of income | 98-100% of premium |
| 150-200% | 2-4% of income | 96-98% of premium |
| 200-250% | 4-6% of income | 94-96% of premium |
| 250-400% | 6-8.5% of income | 91.5-94% of premium |
Tax Credits Applied Monthly to Your Premium
You DON'T pay the full premium and wait for a refund. The tax credit is applied monthly, reducing what you pay the insurance company directly.
Example: If your plan costs $500/month and your tax credit is $400, you only pay $100/month to the insurance company.
Reconcile at Tax Time
When you file taxes, the IRS checks if your actual income matched your estimate. If you earned less, you get extra refund. If you earned more, you may owe some back (but there are caps on repayment).
Do You Qualify for Tax Credits?
You Likely Qualify If...
- Your income is between 100%-400% of Federal Poverty Level
- You don't have access to affordable employer coverage
- You're not eligible for Medicare or Medicaid
- You're self-employed or work part-time
- You lost your job and COBRA is too expensive
- You're between jobs or starting a business
You DON'T Qualify If...
- You have access to affordable employer coverage (under 9.12% of income for self-only)
- You're eligible for Medicare
- You qualify for Medicaid (Texas: must have kids and very low income)
- Your income is below 100% FPL (Medicaid gap in Texas)
- You're incarcerated
- You're not a U.S. citizen or legal resident
2026 Income Limits for Premium Tax Credits
100%-400% of Federal Poverty Level
| Household Size | 100% FPL (Minimum) | 400% FPL (Maximum) |
|---|---|---|
| 1 Person | $15,650 | $62,600 |
| 2 People | $21,150 | $84,600 |
| 3 People | $26,650 | $106,600 |
| 4 People | $32,150 | $128,600 |
| 5 People | $37,650 | $150,600 |
For 2026, the enhanced subsidies have expired and the "subsidy cliff" is back—income above 400% FPL no longer qualifies for a premium tax credit. We'll calculate your exact household income so you know where you stand.
Which Plan Level Is Right for You?
All cover essential health benefits—the difference is how you pay
Lowest Premium, Highest Deductible
Covers 60% of costs. You pay 40%.
Typical Costs:
- • Premium: $0-$50/month (after subsidy)
- • Deductible: $7,000-$9,000
- • Max Out-of-Pocket: $9,200
Best For:
- • Healthy people who rarely see doctors
- • Want catastrophic protection only
- • Have savings to cover deductible if needed
Balanced Premium & Deductible (+ Extra Savings)
Covers 70% of costs. You pay 30%. Plus Cost-Sharing Reductions if you qualify!
Typical Costs:
- • Premium: $50-$200/month (after subsidy)
- • Deductible: $3,000-$6,500
- • Max Out-of-Pocket: $7,000-$9,200
Best For:
- • Most people—best balance of cost and coverage
- • Families with kids
- • Anyone who sees doctors regularly
Higher Premium, Lower Out-of-Pocket
Covers 80% of costs. You pay 20%.
Typical Costs:
- • Premium: $200-$400/month (after subsidy)
- • Deductible: $1,000-$3,000
- • Max Out-of-Pocket: $6,000-$9,200
Best For:
- • People with chronic conditions
- • High prescription drug costs
- • Prefer predictable low copays
Which Should You Choose?
We calculate your total annual cost (premium + deductible + expected medical expenses) for each level. Most people are surprised to learn which plan actually costs less for THEIR situation.
Get health insurance you can actually afford
See your real monthly cost AFTER premium tax credits—usually $0-$300/month
No cost, no obligation. We'll calculate your exact premium AFTER subsidies and help you enroll in the best plan for your family.
