Three free tools built on the actual 2026 federal rules — the same math the Marketplace uses. Each takes about 60 seconds, none of them gate your result behind a phone number, and all of them tell you what to do next.
Estimate your 2026 premium tax credit and what you'd actually pay each month — using the real federal formula, poverty guidelines, and your state's benchmark premiums. Estimate my savings →
Missed open enrollment? Job loss, a move, marriage, or a new baby can open a 60-day window today. See your deadline and the documents you'll need. Check my window →
If work coverage costs more than 9.96% of household income, subsidies may be back on the table — and your family is tested separately. Run the IRS test →
COBRA has no subsidy; the Marketplace usually does. Compare your election notice against your subsidized cap before your 60-day window closes. Compare both →
Medicaid, CHIP, or a subsidized Marketplace plan? Depends on income and whether your state expanded — 7 of our 23 didn't. Check your path →
At some incomes silver outclasses gold; at others it's the worst value on the shelf. Two questions find your tier. Match me →
Part B and Part D late-enrollment penalties are permanent. See exactly what a delay costs per month and per decade. Calculate it →
Every tool runs entirely in your browser — nothing is sent anywhere until you choose to reach out.
A licensed agent can pull every 2026 plan filed in your county — real premiums for your exact age, household, and income — and walk you through them free, in about 10 minutes.
No cost. No pressure. No obligation to enroll.
Important: These tools provide estimates for general education using published federal rules and public rate data; they are not quotes or determinations of eligibility, subsidy amounts, enrollment windows, or plan pricing. Final determinations are made by the applicable Health Insurance Marketplace, insurance carrier, or government agency. Smooth Health Solutions is not connected with or endorsed by the U.S. government, the federal Medicare program, CMS, HealthCare.gov, the IRS, or any state marketplace or government agency.