# HealthInsurance.help

> Free 2027 calculators for ACA premium tax credits, Medicaid income limits, COBRA and special enrollment, built on CMS and IRS data.

HealthInsurance.help is an independent website. Contact: the form at https://healthinsurance.help/contact/.

MCP server (free, read-only, no key): https://healthinsurance.help/mcp, the same calculators as tools for AI assistants. Docs: https://healthinsurance.help/developers/.

## Pages
- [What will your health insurance cost in 2027?](https://healthinsurance.help/): Work out your 2027 health insurance costs with calculators built on IRS, CMS and state Medicaid data. Subsidies, the 400% cliff, COBRA and enrollment dates.
- [About HealthInsurance.help](https://healthinsurance.help/about/): Who publishes HealthInsurance.help, what it is and isn't, how its calculators are built from IRS, CMS and state data, and how to report an error.
- [COBRA or a marketplace plan: which costs less?](https://healthinsurance.help/cobra-vs-marketplace/): Compare your COBRA premium with a 2027 marketplace plan after the tax credit, including the deductible you lose by switching mid-year.
- [Contact HealthInsurance.help](https://healthinsurance.help/contact/): Send HealthInsurance.help a question or request. We read every message and reply by email.
- [MCP server for AI assistants](https://healthinsurance.help/developers/): Connect Claude, ChatGPT or another AI assistant to free 2027 ACA subsidy, Medicaid limit and COBRA calculators. Read-only, no key.
- [Guides from HealthInsurance.help](https://healthinsurance.help/guides/): All guides from HealthInsurance.help, newest first. Your 2027 health insurance numbers, worked out line by line.
- [How this site makes money](https://healthinsurance.help/how-we-make-money/): HealthInsurance.help earns nothing today. No ads, no paid links, no agent referrals, and we don't sell or share what you send us.
- [Medicaid and CHIP income limits by state](https://healthinsurance.help/medicaid-income-limits/): Every state's Medicaid and CHIP income limits for adults, parents, pregnancy and children, in 2026 dollars by household size, with an eligibility check.
- [Where the numbers come from](https://healthinsurance.help/methodology/): The IRS, CMS, HHS and state sources behind every calculator on HealthInsurance.help, the dates they apply to, and the limits of each estimate.
- [Will you have to pay back your premium tax credit?](https://healthinsurance.help/premium-tax-credit-repayment/): For 2026 coverage there is no cap on repaying excess advance credits. Enter your 1095-A numbers and real income to see what you owe or get back.
- [Privacy policy](https://healthinsurance.help/privacy/): What HealthInsurance.help collects when you visit or contact us, why, who it is shared with, and how to reach us about it.
- [Lost coverage, moved, turned 26? Check your enrollment window](https://healthinsurance.help/special-enrollment-period/): Enter what happened and the date. Get the day your special enrollment window opens and closes, when coverage can start, and what proof to keep.
- [Health insurance by state](https://healthinsurance.help/states/): Each state's exchange, 2027 open enrollment dates, Medicaid limits, state subsidies and county benchmark premiums, from CMS and state sources.
- [Alabama health insurance for 2027](https://healthinsurance.help/states/alabama/): Alabama 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Baldwin County, Alabama: what you'll pay in 2027](https://healthinsurance.help/states/alabama/baldwin-county/): What a marketplace plan costs in Baldwin County, Alabama for 2027 after the premium tax credit, by age and income, with the math shown.
- [Jefferson County, Alabama: what you'll pay in 2027](https://healthinsurance.help/states/alabama/jefferson-county/): What a marketplace plan costs in Jefferson County, Alabama for 2027 after the premium tax credit, by age and income, with the math shown.
- [Madison County, Alabama: what you'll pay in 2027](https://healthinsurance.help/states/alabama/madison-county/): What a marketplace plan costs in Madison County, Alabama for 2027 after the premium tax credit, by age and income, with the math shown.
- [Mobile County, Alabama: what you'll pay in 2027](https://healthinsurance.help/states/alabama/mobile-county/): What a marketplace plan costs in Mobile County, Alabama for 2027 after the premium tax credit, by age and income, with the math shown.
- [Alaska health insurance for 2027](https://healthinsurance.help/states/alaska/): Alaska 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Anchorage Municipality, Alaska: what you'll pay in 2027](https://healthinsurance.help/states/alaska/anchorage-municipality/): What a marketplace plan costs in Anchorage Municipality, Alaska for 2027 after the premium tax credit, by age and income, with the math shown.
- [Arizona health insurance for 2027](https://healthinsurance.help/states/arizona/): Arizona 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Maricopa County, Arizona: what you'll pay in 2027](https://healthinsurance.help/states/arizona/maricopa-county/): What a marketplace plan costs in Maricopa County, Arizona for 2027 after the premium tax credit, by age and income, with the math shown.
- [Pima County, Arizona: what you'll pay in 2027](https://healthinsurance.help/states/arizona/pima-county/): What a marketplace plan costs in Pima County, Arizona for 2027 after the premium tax credit, by age and income, with the math shown.
- [Pinal County, Arizona: what you'll pay in 2027](https://healthinsurance.help/states/arizona/pinal-county/): What a marketplace plan costs in Pinal County, Arizona for 2027 after the premium tax credit, by age and income, with the math shown.
- [Yavapai County, Arizona: what you'll pay in 2027](https://healthinsurance.help/states/arizona/yavapai-county/): What a marketplace plan costs in Yavapai County, Arizona for 2027 after the premium tax credit, by age and income, with the math shown.
- [Arkansas health insurance for 2027](https://healthinsurance.help/states/arkansas/): Arkansas 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Pulaski County, Arkansas: what you'll pay in 2027](https://healthinsurance.help/states/arkansas/pulaski-county/): What a marketplace plan costs in Pulaski County, Arkansas for 2027 after the premium tax credit, by age and income, with the math shown.
- [California health insurance for 2027](https://healthinsurance.help/states/california/): California 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Colorado health insurance for 2027](https://healthinsurance.help/states/colorado/): Colorado 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Connecticut health insurance for 2027](https://healthinsurance.help/states/connecticut/): Connecticut 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Delaware health insurance for 2027](https://healthinsurance.help/states/delaware/): Delaware 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [New Castle County, Delaware: what you'll pay in 2027](https://healthinsurance.help/states/delaware/new-castle-county/): What a marketplace plan costs in New Castle County, Delaware for 2027 after the premium tax credit, by age and income, with the math shown.
- [District of Columbia health insurance for 2027](https://healthinsurance.help/states/district-of-columbia/): District of Columbia 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Florida health insurance for 2027](https://healthinsurance.help/states/florida/): Florida 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Alachua County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/alachua-county/): What a marketplace plan costs in Alachua County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Brevard County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/brevard-county/): What a marketplace plan costs in Brevard County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Broward County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/broward-county/): What a marketplace plan costs in Broward County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Collier County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/collier-county/): What a marketplace plan costs in Collier County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Duval County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/duval-county/): What a marketplace plan costs in Duval County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Escambia County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/escambia-county/): What a marketplace plan costs in Escambia County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Hillsborough County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/hillsborough-county/): What a marketplace plan costs in Hillsborough County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lake County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/lake-county/): What a marketplace plan costs in Lake County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lee County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/lee-county/): What a marketplace plan costs in Lee County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Leon County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/leon-county/): What a marketplace plan costs in Leon County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Manatee County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/manatee-county/): What a marketplace plan costs in Manatee County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Marion County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/marion-county/): What a marketplace plan costs in Marion County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Miami-Dade County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/miami-dade-county/): What a marketplace plan costs in Miami-Dade County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Orange County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/orange-county/): What a marketplace plan costs in Orange County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Osceola County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/osceola-county/): What a marketplace plan costs in Osceola County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Palm Beach County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/palm-beach-county/): What a marketplace plan costs in Palm Beach County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Pasco County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/pasco-county/): What a marketplace plan costs in Pasco County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Pinellas County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/pinellas-county/): What a marketplace plan costs in Pinellas County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Polk County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/polk-county/): What a marketplace plan costs in Polk County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Sarasota County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/sarasota-county/): What a marketplace plan costs in Sarasota County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Seminole County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/seminole-county/): What a marketplace plan costs in Seminole County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [St. Johns County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/st-johns-county/): What a marketplace plan costs in St. Johns County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [St. Lucie County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/st-lucie-county/): What a marketplace plan costs in St. Lucie County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Volusia County, Florida: what you'll pay in 2027](https://healthinsurance.help/states/florida/volusia-county/): What a marketplace plan costs in Volusia County, Florida for 2027 after the premium tax credit, by age and income, with the math shown.
- [Georgia health insurance for 2027](https://healthinsurance.help/states/georgia/): Georgia 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Hawaii health insurance for 2027](https://healthinsurance.help/states/hawaii/): Hawaii 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Honolulu County, Hawaii: what you'll pay in 2027](https://healthinsurance.help/states/hawaii/honolulu-county/): What a marketplace plan costs in Honolulu County, Hawaii for 2027 after the premium tax credit, by age and income, with the math shown.
- [Idaho health insurance for 2027](https://healthinsurance.help/states/idaho/): Idaho 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Illinois health insurance for 2027](https://healthinsurance.help/states/illinois/): Illinois 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Indiana health insurance for 2027](https://healthinsurance.help/states/indiana/): Indiana 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Allen County, Indiana: what you'll pay in 2027](https://healthinsurance.help/states/indiana/allen-county/): What a marketplace plan costs in Allen County, Indiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lake County, Indiana: what you'll pay in 2027](https://healthinsurance.help/states/indiana/lake-county/): What a marketplace plan costs in Lake County, Indiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [Marion County, Indiana: what you'll pay in 2027](https://healthinsurance.help/states/indiana/marion-county/): What a marketplace plan costs in Marion County, Indiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [St. Joseph County, Indiana: what you'll pay in 2027](https://healthinsurance.help/states/indiana/st-joseph-county/): What a marketplace plan costs in St. Joseph County, Indiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [Iowa health insurance for 2027](https://healthinsurance.help/states/iowa/): Iowa 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Polk County, Iowa: what you'll pay in 2027](https://healthinsurance.help/states/iowa/polk-county/): What a marketplace plan costs in Polk County, Iowa for 2027 after the premium tax credit, by age and income, with the math shown.
- [Kansas health insurance for 2027](https://healthinsurance.help/states/kansas/): Kansas 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Johnson County, Kansas: what you'll pay in 2027](https://healthinsurance.help/states/kansas/johnson-county/): What a marketplace plan costs in Johnson County, Kansas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Sedgwick County, Kansas: what you'll pay in 2027](https://healthinsurance.help/states/kansas/sedgwick-county/): What a marketplace plan costs in Sedgwick County, Kansas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Kentucky health insurance for 2027](https://healthinsurance.help/states/kentucky/): Kentucky 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Louisiana health insurance for 2027](https://healthinsurance.help/states/louisiana/): Louisiana 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [East Baton Rouge Parish, Louisiana: what you'll pay in 2027](https://healthinsurance.help/states/louisiana/east-baton-rouge-parish/): What a marketplace plan costs in East Baton Rouge Parish, Louisiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [Jefferson Parish, Louisiana: what you'll pay in 2027](https://healthinsurance.help/states/louisiana/jefferson-parish/): What a marketplace plan costs in Jefferson Parish, Louisiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lafayette Parish, Louisiana: what you'll pay in 2027](https://healthinsurance.help/states/louisiana/lafayette-parish/): What a marketplace plan costs in Lafayette Parish, Louisiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [St. Tammany Parish, Louisiana: what you'll pay in 2027](https://healthinsurance.help/states/louisiana/st-tammany-parish/): What a marketplace plan costs in St. Tammany Parish, Louisiana for 2027 after the premium tax credit, by age and income, with the math shown.
- [Maine health insurance for 2027](https://healthinsurance.help/states/maine/): Maine 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Maryland health insurance for 2027](https://healthinsurance.help/states/maryland/): Maryland 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Massachusetts health insurance for 2027](https://healthinsurance.help/states/massachusetts/): Massachusetts 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Michigan health insurance for 2027](https://healthinsurance.help/states/michigan/): Michigan 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Genesee County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/genesee-county/): What a marketplace plan costs in Genesee County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Ingham County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/ingham-county/): What a marketplace plan costs in Ingham County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Kalamazoo County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/kalamazoo-county/): What a marketplace plan costs in Kalamazoo County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Kent County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/kent-county/): What a marketplace plan costs in Kent County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Oakland County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/oakland-county/): What a marketplace plan costs in Oakland County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Ottawa County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/ottawa-county/): What a marketplace plan costs in Ottawa County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Washtenaw County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/washtenaw-county/): What a marketplace plan costs in Washtenaw County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Wayne County, Michigan: what you'll pay in 2027](https://healthinsurance.help/states/michigan/wayne-county/): What a marketplace plan costs in Wayne County, Michigan for 2027 after the premium tax credit, by age and income, with the math shown.
- [Minnesota health insurance for 2027](https://healthinsurance.help/states/minnesota/): Minnesota 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Mississippi health insurance for 2027](https://healthinsurance.help/states/mississippi/): Mississippi 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Missouri health insurance for 2027](https://healthinsurance.help/states/missouri/): Missouri 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Clay County, Missouri: what you'll pay in 2027](https://healthinsurance.help/states/missouri/clay-county/): What a marketplace plan costs in Clay County, Missouri for 2027 after the premium tax credit, by age and income, with the math shown.
- [Greene County, Missouri: what you'll pay in 2027](https://healthinsurance.help/states/missouri/greene-county/): What a marketplace plan costs in Greene County, Missouri for 2027 after the premium tax credit, by age and income, with the math shown.
- [Jackson County, Missouri: what you'll pay in 2027](https://healthinsurance.help/states/missouri/jackson-county/): What a marketplace plan costs in Jackson County, Missouri for 2027 after the premium tax credit, by age and income, with the math shown.
- [St. Louis County, Missouri: what you'll pay in 2027](https://healthinsurance.help/states/missouri/st-louis-county/): What a marketplace plan costs in St. Louis County, Missouri for 2027 after the premium tax credit, by age and income, with the math shown.
- [Montana health insurance for 2027](https://healthinsurance.help/states/montana/): Montana 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Nebraska health insurance for 2027](https://healthinsurance.help/states/nebraska/): Nebraska 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Douglas County, Nebraska: what you'll pay in 2027](https://healthinsurance.help/states/nebraska/douglas-county/): What a marketplace plan costs in Douglas County, Nebraska for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lancaster County, Nebraska: what you'll pay in 2027](https://healthinsurance.help/states/nebraska/lancaster-county/): What a marketplace plan costs in Lancaster County, Nebraska for 2027 after the premium tax credit, by age and income, with the math shown.
- [Nevada health insurance for 2027](https://healthinsurance.help/states/nevada/): Nevada 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [New Hampshire health insurance for 2027](https://healthinsurance.help/states/new-hampshire/): New Hampshire 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Hillsborough County, New Hampshire: what you'll pay in 2027](https://healthinsurance.help/states/new-hampshire/hillsborough-county/): What a marketplace plan costs in Hillsborough County, New Hampshire for 2027 after the premium tax credit, by age and income, with the math shown.
- [New Jersey health insurance for 2027](https://healthinsurance.help/states/new-jersey/): New Jersey 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [New Mexico health insurance for 2027](https://healthinsurance.help/states/new-mexico/): New Mexico 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [New York health insurance for 2027](https://healthinsurance.help/states/new-york/): New York 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [North Carolina health insurance for 2027](https://healthinsurance.help/states/north-carolina/): North Carolina 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Buncombe County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/buncombe-county/): What a marketplace plan costs in Buncombe County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Cumberland County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/cumberland-county/): What a marketplace plan costs in Cumberland County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Durham County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/durham-county/): What a marketplace plan costs in Durham County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Forsyth County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/forsyth-county/): What a marketplace plan costs in Forsyth County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Guilford County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/guilford-county/): What a marketplace plan costs in Guilford County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Mecklenburg County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/mecklenburg-county/): What a marketplace plan costs in Mecklenburg County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Union County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/union-county/): What a marketplace plan costs in Union County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Wake County, North Carolina: what you'll pay in 2027](https://healthinsurance.help/states/north-carolina/wake-county/): What a marketplace plan costs in Wake County, North Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [North Dakota health insurance for 2027](https://healthinsurance.help/states/north-dakota/): North Dakota 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Ohio health insurance for 2027](https://healthinsurance.help/states/ohio/): Ohio 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Cuyahoga County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/cuyahoga-county/): What a marketplace plan costs in Cuyahoga County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Franklin County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/franklin-county/): What a marketplace plan costs in Franklin County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Hamilton County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/hamilton-county/): What a marketplace plan costs in Hamilton County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lorain County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/lorain-county/): What a marketplace plan costs in Lorain County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lucas County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/lucas-county/): What a marketplace plan costs in Lucas County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Montgomery County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/montgomery-county/): What a marketplace plan costs in Montgomery County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Stark County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/stark-county/): What a marketplace plan costs in Stark County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Summit County, Ohio: what you'll pay in 2027](https://healthinsurance.help/states/ohio/summit-county/): What a marketplace plan costs in Summit County, Ohio for 2027 after the premium tax credit, by age and income, with the math shown.
- [Oklahoma health insurance for 2027](https://healthinsurance.help/states/oklahoma/): Oklahoma 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Cleveland County, Oklahoma: what you'll pay in 2027](https://healthinsurance.help/states/oklahoma/cleveland-county/): What a marketplace plan costs in Cleveland County, Oklahoma for 2027 after the premium tax credit, by age and income, with the math shown.
- [Oklahoma County, Oklahoma: what you'll pay in 2027](https://healthinsurance.help/states/oklahoma/oklahoma-county/): What a marketplace plan costs in Oklahoma County, Oklahoma for 2027 after the premium tax credit, by age and income, with the math shown.
- [Tulsa County, Oklahoma: what you'll pay in 2027](https://healthinsurance.help/states/oklahoma/tulsa-county/): What a marketplace plan costs in Tulsa County, Oklahoma for 2027 after the premium tax credit, by age and income, with the math shown.
- [Oregon health insurance for 2027](https://healthinsurance.help/states/oregon/): Oregon 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Lane County, Oregon: what you'll pay in 2027](https://healthinsurance.help/states/oregon/lane-county/): What a marketplace plan costs in Lane County, Oregon for 2027 after the premium tax credit, by age and income, with the math shown.
- [Marion County, Oregon: what you'll pay in 2027](https://healthinsurance.help/states/oregon/marion-county/): What a marketplace plan costs in Marion County, Oregon for 2027 after the premium tax credit, by age and income, with the math shown.
- [Multnomah County, Oregon: what you'll pay in 2027](https://healthinsurance.help/states/oregon/multnomah-county/): What a marketplace plan costs in Multnomah County, Oregon for 2027 after the premium tax credit, by age and income, with the math shown.
- [Pennsylvania health insurance for 2027](https://healthinsurance.help/states/pennsylvania/): Pennsylvania 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Rhode Island health insurance for 2027](https://healthinsurance.help/states/rhode-island/): Rhode Island 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [South Carolina health insurance for 2027](https://healthinsurance.help/states/south-carolina/): South Carolina 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Berkeley County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/berkeley-county/): What a marketplace plan costs in Berkeley County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Charleston County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/charleston-county/): What a marketplace plan costs in Charleston County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Greenville County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/greenville-county/): What a marketplace plan costs in Greenville County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Horry County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/horry-county/): What a marketplace plan costs in Horry County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lexington County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/lexington-county/): What a marketplace plan costs in Lexington County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Richland County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/richland-county/): What a marketplace plan costs in Richland County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [Spartanburg County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/spartanburg-county/): What a marketplace plan costs in Spartanburg County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [York County, South Carolina: what you'll pay in 2027](https://healthinsurance.help/states/south-carolina/york-county/): What a marketplace plan costs in York County, South Carolina for 2027 after the premium tax credit, by age and income, with the math shown.
- [South Dakota health insurance for 2027](https://healthinsurance.help/states/south-dakota/): South Dakota 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Tennessee health insurance for 2027](https://healthinsurance.help/states/tennessee/): Tennessee 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Davidson County, Tennessee: what you'll pay in 2027](https://healthinsurance.help/states/tennessee/davidson-county/): What a marketplace plan costs in Davidson County, Tennessee for 2027 after the premium tax credit, by age and income, with the math shown.
- [Hamilton County, Tennessee: what you'll pay in 2027](https://healthinsurance.help/states/tennessee/hamilton-county/): What a marketplace plan costs in Hamilton County, Tennessee for 2027 after the premium tax credit, by age and income, with the math shown.
- [Knox County, Tennessee: what you'll pay in 2027](https://healthinsurance.help/states/tennessee/knox-county/): What a marketplace plan costs in Knox County, Tennessee for 2027 after the premium tax credit, by age and income, with the math shown.
- [Shelby County, Tennessee: what you'll pay in 2027](https://healthinsurance.help/states/tennessee/shelby-county/): What a marketplace plan costs in Shelby County, Tennessee for 2027 after the premium tax credit, by age and income, with the math shown.
- [Texas health insurance for 2027](https://healthinsurance.help/states/texas/): Texas 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Bell County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/bell-county/): What a marketplace plan costs in Bell County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Bexar County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/bexar-county/): What a marketplace plan costs in Bexar County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Brazoria County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/brazoria-county/): What a marketplace plan costs in Brazoria County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Cameron County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/cameron-county/): What a marketplace plan costs in Cameron County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Collin County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/collin-county/): What a marketplace plan costs in Collin County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Dallas County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/dallas-county/): What a marketplace plan costs in Dallas County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Denton County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/denton-county/): What a marketplace plan costs in Denton County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [El Paso County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/el-paso-county/): What a marketplace plan costs in El Paso County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Fort Bend County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/fort-bend-county/): What a marketplace plan costs in Fort Bend County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Galveston County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/galveston-county/): What a marketplace plan costs in Galveston County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Harris County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/harris-county/): What a marketplace plan costs in Harris County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Hays County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/hays-county/): What a marketplace plan costs in Hays County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Hidalgo County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/hidalgo-county/): What a marketplace plan costs in Hidalgo County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Jefferson County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/jefferson-county/): What a marketplace plan costs in Jefferson County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Lubbock County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/lubbock-county/): What a marketplace plan costs in Lubbock County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [McLennan County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/mclennan-county/): What a marketplace plan costs in McLennan County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Montgomery County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/montgomery-county/): What a marketplace plan costs in Montgomery County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Nueces County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/nueces-county/): What a marketplace plan costs in Nueces County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Smith County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/smith-county/): What a marketplace plan costs in Smith County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Tarrant County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/tarrant-county/): What a marketplace plan costs in Tarrant County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Travis County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/travis-county/): What a marketplace plan costs in Travis County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Webb County, Texas: what you'll pay in 2027](https://healthinsurance.help/states/texas/webb-county/): What a marketplace plan costs in Webb County, Texas for 2027 after the premium tax credit, by age and income, with the math shown.
- [Utah health insurance for 2027](https://healthinsurance.help/states/utah/): Utah 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Davis County, Utah: what you'll pay in 2027](https://healthinsurance.help/states/utah/davis-county/): What a marketplace plan costs in Davis County, Utah for 2027 after the premium tax credit, by age and income, with the math shown.
- [Salt Lake County, Utah: what you'll pay in 2027](https://healthinsurance.help/states/utah/salt-lake-county/): What a marketplace plan costs in Salt Lake County, Utah for 2027 after the premium tax credit, by age and income, with the math shown.
- [Utah County, Utah: what you'll pay in 2027](https://healthinsurance.help/states/utah/utah-county/): What a marketplace plan costs in Utah County, Utah for 2027 after the premium tax credit, by age and income, with the math shown.
- [Weber County, Utah: what you'll pay in 2027](https://healthinsurance.help/states/utah/weber-county/): What a marketplace plan costs in Weber County, Utah for 2027 after the premium tax credit, by age and income, with the math shown.
- [Vermont health insurance for 2027](https://healthinsurance.help/states/vermont/): Vermont 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Virginia health insurance for 2027](https://healthinsurance.help/states/virginia/): Virginia 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [Washington health insurance for 2027](https://healthinsurance.help/states/washington/): Washington 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state subsidies, and what changed for 2027.
- [West Virginia health insurance for 2027](https://healthinsurance.help/states/west-virginia/): West Virginia 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Wisconsin health insurance for 2027](https://healthinsurance.help/states/wisconsin/): Wisconsin 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [Brown County, Wisconsin: what you'll pay in 2027](https://healthinsurance.help/states/wisconsin/brown-county/): What a marketplace plan costs in Brown County, Wisconsin for 2027 after the premium tax credit, by age and income, with the math shown.
- [Dane County, Wisconsin: what you'll pay in 2027](https://healthinsurance.help/states/wisconsin/dane-county/): What a marketplace plan costs in Dane County, Wisconsin for 2027 after the premium tax credit, by age and income, with the math shown.
- [Milwaukee County, Wisconsin: what you'll pay in 2027](https://healthinsurance.help/states/wisconsin/milwaukee-county/): What a marketplace plan costs in Milwaukee County, Wisconsin for 2027 after the premium tax credit, by age and income, with the math shown.
- [Waukesha County, Wisconsin: what you'll pay in 2027](https://healthinsurance.help/states/wisconsin/waukesha-county/): What a marketplace plan costs in Waukesha County, Wisconsin for 2027 after the premium tax credit, by age and income, with the math shown.
- [Wyoming health insurance for 2027](https://healthinsurance.help/states/wyoming/): Wyoming 2027 open enrollment dates, Medicaid and CHIP limits in dollars, state help, and the benchmark silver premium in every county.
- [2027 ACA subsidy calculator](https://healthinsurance.help/subsidy-calculator/): Estimate your 2027 premium tax credit from your county, ages and income. Shows the math line by line, the 400% cliff, and Medicaid or CHIP screens.
- [Terms of use](https://healthinsurance.help/terms/): The terms that apply when you use HealthInsurance.help, including what the information here is and is not.

## Guides
- [Bronze, silver or gold for 2027](https://healthinsurance.help/guides/bronze-silver-gold-2027/): In 1,104 of 2,055 HealthCare.gov counties the cheapest gold plan cost less than benchmark silver. How cost-sharing reductions change the pick.
- [Open enrollment for 2027 coverage](https://healthinsurance.help/guides/open-enrollment-2027-what-changed/): HealthCare.gov open enrollment runs Nov 1, 2026 to Jan 15, 2027. The deadlines that matter and seven rule changes that affect what you pay in 2027.
- [Retiring before 65 and the 2027 subsidy cliff](https://healthinsurance.help/guides/retiring-before-65-health-insurance/): Early retirees face the full 400% cliff again in 2027. What counts as income, a worked Miami-Dade example, and the moves that keep a credit worth $27,000.
- [Health insurance when you're self-employed](https://healthinsurance.help/guides/self-employed-health-insurance-2027/): How freelancers figure income for the 2027 marketplace credit, which deductions lower it, and how to avoid a repayment bill now that there's no cap.