Subsidy Calculator

About the Individual Tax Subsidy

If you qualify, and plan to use the Premium Subsidy you must purchase your benefits through the Federal Health Insurance Marketplace.  We are ACA certified and can help you secure your best options (benefits) through the Federal Marketplace as well as the tax credit.  Please use our Quote form below and we will contact you promptly to get started.  


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    What coverages are you interested in?

    DisabilityLong Term CareFinal ExpenseCritical IllnessLiving BenefitsOther Supplemental


    The premium and subsidy amounts displayed on, including the Subsidy Calculator, are estimates only and the actual premium and subsidy amounts may differ. The Subsidy Calculator is not intended to be relied upon for legal or tax advice. The information on, including the Subsidy Calculator, is based on the Affordable Care Act and subsequent regulations issued by Health and Human Services and the Internal Revenue Service; and the law and regulations are subject to change.

    It is the insured’s responsibility to notify the Marketplace (800-318-2596) or via your Marketplace Account) within 30 days of any changes to household income and family size that may affect the premium or subsidy amount as such changes can result in a difference in the amount. Actual premiums may vary depending on plan availability and numerous other factors and penalties could be assessed for failure to provide accurate data or failure to update changed data.

    Emergent Benefits, LLC, its employees, agents and representatives (collectively “Broker “) make no independent representations with respect to subsidies owed and/or premiums to be paid for coverage. Any information provided to you by broker may not be construed as tax or legal advice. Consult with your attorney and/or tax specialist for such advice.

    Broker relies on the information you provide the and the information provided by this site in order to advise you on expected and actual premiums, subsidies and/or premium tax credits. Broker accepts NO responsibility or liability with respect to premium calculations, subsidies/premium tax credits owed, penalties assessed, and/or recoupment of subsidies/premium tax credits. Further, Broker is in no way liable for any information provided through including the Subsidy Calculator and makes no warranties or representations as to the accuracy of said information.