Question 1

How is my health insurance subsidy calculated?

Accepted Answer

Your ACA subsidy is calculated based on your household income relative to the Federal Poverty Level, your zip code, household size, and age. The estimator uses real Marketplace data to show your estimated monthly premium tax credit and net premium.

Question 2

What information do I need to estimate my insurance costs?

Accepted Answer

You will need your state, zip code, date of birth, household size, and estimated annual household income. This information determines your plan options, subsidy eligibility, and estimated monthly premium.

Question 3

Is the benefits estimator free to use?

Accepted Answer

Yes, the FLC Insurance benefits estimator is 100% free with no commitment and no hidden fees. You get instant estimates for health, dental, and vision insurance without obligation.

Question 4

Can I estimate dental and vision insurance costs separately?

Accepted Answer

Yes, you can estimate standalone dental insurance and standalone vision insurance separately. Dental coverage ranges from $10 to $50 per month and vision coverage ranges from $6 to $30 per month depending on the plan tier and coverage level.

Question 5

Will the estimator check if I qualify for Medicaid or Medicare?

Accepted Answer

Yes, the health insurance estimator checks your eligibility for Medicaid and Medicare based on your income, age, and state. If you are losing Medicaid coverage, it can also show your Marketplace plan options.

Health Insurance

Dental Insurance

Vision Insurance

What Would You Like to Estimate? — Choose a coverage type and find out how much you could save on insurance.

Health Insurance

Dental Insurance

Vision Insurance