Covered California Subsidy Calculator

Find out how much you could save on 2026 health insurance premiums with federal and California state subsidies.

Check Your Eligibility

Enter your details to see if you qualify for free or low-cost health insurance in California.

ZIP Code

Household Size

Annual Income

Provide your ZIP code, household size, and estimated annual income.

We calculate your Federal Poverty Level percentage and estimate your monthly subsidy.

View real plan prices with your subsidy applied and choose the best coverage for you.

Income Level (FPL%)	Program	Benefit
0–138% FPL	Medi-Cal	Free or very low-cost comprehensive coverage
138–250% FPL	APTC + CSR	Premium tax credits plus reduced deductibles and copays on Silver plans
250–400% FPL	APTC Only	Premium tax credits to lower your monthly payment
400%+ FPL	Full Price	No subsidy — but you may still find affordable plans

Income thresholds are based on 2026 Federal Poverty Level guidelines. Actual eligibility may vary.