TurboTax Health Care Eligibility Calculator

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The Affordable Care Act, Obamacare, health care reform?  Not sure what it is or how it impacts you?  You aren’t alone.

Intuit TurboTax created a health care calculator to help you find out if you’re eligible for health insurance through a state or federal Marketplace, Medicaid, or Medicare or if you’re already set with your existing health insurance plan.  It will also let you know, if you qualify for a tax credit or subsidy from the government to help you purchase your health insurance.

Check it out to learn how health care reform impacts you so that you can make the best decisions for your health and your wallet.

For optimized mobile experience, please use the calculator here (https://ttlc.intuit.com/health-care)

156 responses to “TurboTax Health Care Eligibility Calculator”

  1. Ok so I have medical coverage through the hospital sliding fee scale I don’t pay monthly but I’m covered if I need to be seen I just pay per visit based off of my income like to be seen by a doctor I pay $10 dose this coverage count I don’t full understand all this stuff

    • I would check with hospital program dept just to make sure. It varies by state, county, even city; but most programs based on income will remain in effect and you would stay covered.

    • thinking this isn’t coverage just hospital policy to cover services based on a sliding scale subsidized by the charity care section of the hospital…. ??? if so you don’t really “have coverage” you just happened to qualify for cheaper care at that particular hospital or group( Geisinger has that )

    • Hi,
      Thank you for feedback. We are having our developers look into this.
      Thank you,
      Lisa Greene-Lewis

  2. I can’t get past the page that says “How old are you? Choose…
    I can’t get the drop down menu to work. Any advice!

    • Hi Chris,
      Can you try a different browser like FireFox. I am also having our developers test all browsers.
      Thank you,
      Lisa Greene-Lewis

  3. I’m a Disabled Veteran and receive Medical through my PCP at my Dep’t of Veteran Affairs Clinic. Will I be penalize on my Taxes when I file in 2014.

  4. I have a shared cost of Medicare.I can’t get in through my work till next year.what do I do my Medicare is doo high I can’t use it

  5. I have an insurance through my employer. However, my total contribution towards my insurance cost is more than 10% of my family annual income. I have family of four. Do I get tax credit or only those people who get insurance through Market place receives the tax credit.
    Thanks,
    RP

    • Hi RP,
      Only individuals who purchase through the Marketplace are eligible for the tax credit. If your insurance for self-only coverage is more than 9.5% of your household income you can purchase in the Marketplace and you may be able to get assistance. If your 10% includes coverage for other family members then that doesn’t count. You can read more here
      https://www.healthcare.gov/what-if-i-have-job-based-health-insurance/

      For more answers to your specific health insurance questions visit TurboTaxAnswerXchange.com
      Thank you,
      Lisa Greene-Lewis

    • My son has been unemployed for serval years and has no income or insurance due to numerious health issues.

    • Yes. Your marital status for the entire year for filing purposes is determined by your marital status on December 31st of the year of filing.

    • Hi Juli,
      If you are required to purchase health insurance, you have to do so by March 31, 2014 before you get married so you should put in single to figure out health insurance eligibility. Once you get married you would have a life event that enables you to change insurance outside of the open enrollment period. Some of the comments you’ve received are mixing up rules for qualifying as married for tax purposes.
      For more answers to your specific health insurance questions, visit http://www.TurboTaxAnswerXchange.com
      Thank you,
      Lisa Greene-Lewis

  6. I can’t even click on “I don’t have insurance” to calculate anything… Pointless… Because the other 3options say “you’re all set”… But I’m NOT

  7. Hello my name is hina .I use the calculater to find out and it’s says I do qualify what do I have to do next also I wants to know for my parents they do qualify but right now they using a Goldcard which is some type of government plan so now what they have to do ? They can still keep the Goldcard or this new insurance.
    Thanks.

  8. I used your calculator and it said we are eligible for assistance. My husband and I have 2 separate health care policies. Mine is through my former employer (I’m retired) and I pay $550/mo. His is a terrible plan – basically only major medical with a $5000 deductible. We pay $271/mo for it. The calculation said we would receive assistance and have to pay $347 -for his.
    I only entered his info because my insurance is a great plan- and I’ve had cancer 3 times and don’t want to switch. Does the $347 sound right? We’d have to pay more?

  9. I am confused about the tax penalties starting next year. My friends tell me that I will be assessed a tax penalty of around $95. for 2014 and than it goes up to over $1,000. in 2015 and over $2,000. in 2016. Is that right? I am on Medicare through Kaiser. Do I still have to pay a tax penalty?

    • Hi Norma,
      If you are covered by Medicare you don’t have to pay a penalty. For 2015, the annual penalty will increase to $325 per adult and $162.50 per child, with a maximum penalty of $975 per family (or roughly two percent of total income depending on family income). In 2016, the annual penalty will be $695 per adult and $347.50 per child, with a max of $2,085 per family, or about two and a half percent of total income depending on family income.
      Thank you,
      Lisa Greene-Lewis

  10. But what does this plan cover?? What are the deductible and co-pays? I need to compare apples to apples! My insurance is within $100 a month of amount quoted for this—but I have a low deductible, low co-pays and LOVE my Doc!!– ???

    • Hi Sharon,
      You can see what health care plans cover and more details at healthcare.gov
      Thank you,
      Lisa Greene-Lewis

  11. Well if her calculations are so wrong, why don’t you use your God built calculator and figure it out.

    • Hi Linda,
      We looked into this and updated the files. Let me have it checked again. Thank you for your feedback.
      Lisa Greene-Lewis

    • It doesn’t matter, just turn it over to people so much smarter than you….the government. We will all be subject to the whims of the govt. Since its broke, once they sucker the nation onto this program by offering something for “free” (like a drug pusher giving away the first crack dose), the subsidies will be gone and the rationing will begin. Its the ONLY way to reduce costs without a free market solution (see cost of computes over 10 yrs)

      • Congratulations Mike, you’re one of the 10% who knows the end game. The rest are too distracted with their work, kids, divorce, social media, latest Hollywood gossip, mainstream “news” propaganda, etc. to pay any attention to what’s happening. America is signing up for a lot of misery, but hey, it costs less than freedom, so what the heck right? Sad thing is we get dragged in with them.

      • I totally agree with you, Mike. This whole idea is a disaster. Thanks to Obama, my daughter is now forced to pay 235.00 per month, that already includes the govt. subsidy reduction. She absolutely does NOT have 235 extra dollars laying around each month. She barely can pay her bills and student loan debt as it is now. She wll have to give up groceries to pay for Obamacare. It is absolutely wrong to force people to buy something they do not want.

      • I can’t imagine anyone NOT WANTING health insurance. I found a decent plan for my 18 year old son for 73.00 a month. Maybe if it seems to expensive, you should shop around a little more. NOT having health insurance can ruin you for years if some major happens.

    • Hi,
      I just tried the calculator again using Firefox and I was able to get to the results screen. You may need to update your Firefox.

      Thank you,
      Lisa Greene-Lewis

    • so youre going to pay her medical bills ? or will we the taxpayers have to for her ?…do your homework…obama care is really really affordable compared to getting health covereage on your own and even through your employer

      • that’s completely false. Obama care is a joke. the most expensive plan will cost you over 800.00 a month after applying the subsidy and even then the plan only pays 80% but not until you pay 1500.00 out of pocket pluss 2000.00 deductables. you have large co pays and you have to pay the other 20% of major medical. if you have a major operation or have a lot of specialists or have cancer you will never be out of debt and your children will get your debt when you die. Obama has and will continue to screw americans.

  12. I don’t think your eligibility information is right. I entered a family of 4 (2 adults, 2 kids) with a household income of $80,000. Your calculator tells me that’s not subsidy eligible, but the Kaiser calculator and the UC Berkley calculator both say that’s subsidy eligible. The 400% of FPL level for a family of 4 is over $96,000.

  13. I have IE 10, and I can’t read all the screen either; too much blank space or supplemental information on left and right.

    Dave S

  14. Question: What is the difference implied by the message “Enroll for your benefits beginning October 1, 2013 at the new Health Insurance Maketplace…” and “You can shop for a new health insurance plan beginning October 1, 2013 at the new Health Insurance Marketplace…You can usethe government provided subsidy or tax credit you qualify for towards the cost of a new health insurance plan.”? The second is if you have no insurance. The first is if you have private insurance now. Does this mean you have to different plan offerings from uninsured and does it mean you pay full premiums but get a tax credit at filing time?

    • Now what, is right. You rely on the government for your sustenance and now they control you. Don’t worry, the rest of America is going to be in the same boat as you. We’ll only get what the government deems necessary. If we want something more, too bad.

  15. I entered 48000 as household income for my wife and myself and it said we are not eligible for a subsidy which I am sure is not correct.

    • I just entered a fictitious couple (59 and 57) currently uninsured making $48K with no other dependents in the household and got the message that the couple can apply via the Health Insurance Marketplace and qualified for a subsidy.

  16. This doesn’t work. I entered $50000 household income for my husband & I & it states we wouldn’t get a subsidy when the law caps it at $62000.

  17. Is the annual income referring to gross income or net income (as found on the federal tax return)?

    • You did not answer this question. I have the same question. What line on the federal form is used as the income calculation amount

      • Hi David,
        The income calculation is based on your modified adjusted gross income, which is your adjusted gross income (wages and salaries, interest and dividends, unemployment benefits, and other sources of income) plus non-taxable social security, tax exempt interest earned, and foreign income earned that was excluded from income, so it will be (AGI) Line 37 on form 1040 plus any non-taxable social security and the other nontaxable income mentioned that will be used.
        Thank you,
        Lisa Greene-Lewis

  18. Also problems on Chrome. After entering your and spouse’s age, screen slides too far/not far enough to left. IOW, part of image is off left side of screen. I did get thru to end, but couldn’t read all of message. Forward/back arrow disappeared when it would be useful to try to read full message.

  19. I don’t care what browsers you tried it on, it does not work on my Window Explorer 8

    • Hi Tom,
      Exactly what we found out from our designers. There appears to be an issue with IE8. They are updating the files and we will load them up so it will work with your browser.
      Thank you,
      Lisa Greene-Lewis

    • Hi D,
      Thank you. We did find out that there is a problem with IE8 and our designers are updating the files so it will work for you.
      Thank you,
      Lisa Greene-Lewis

    • Hi Kris,
      We found out IE8 is having issues. Our designers are working on fixing the problem. We will have this updated soon. In the meantime you can use FireFox.
      Thank you,
      Lisa Greene-Lewis

    • Hi Marie,
      We did find out there is and issue with IE8 and our designers are working on it. We will have it fixed soon. You can also try FireFox for now.
      Thank you,
      Lisa Greene-Lewis

  20. I also got stuck at the annual income screen.
    I am using the lastest version of IE 8 on Windows XP

    • Hi Linda,
      We did find out there is an issue with IE8. Our designers are working on fixing the issue and it will be resolved soon. In the meantime you can try Firefox.
      Thank you,
      Lisa Greene-Lewis

    • Hi Eleanor,
      There is an issue with IE8 which our designers are fixing. In the meantime you can try FireFox.
      It will be fixed soon.
      Thank you,
      Lisa Greene-Lewis

  21. Yep, having the same problem as the other users, program won’t advance. Internet Explorer, I believe current version. You have a bug! It’s a useful program, I hope you can get it fixed.

    • Hi Bella,
      Thank you. We did find an issue with IE8. Our designers will have it fixed soon. In the meantime you can also try Firefox.
      Thank you,
      Lisa Greene-Lewis

  22. I am stuck on the same window as everyone else. I made sure my IE browser was updated (it was updated on 3-13-13) and I restarted your subsidy calculator and got the same result. I am using IE 8.

    • Hi Nancy,
      Thank you. We did find an issue with IE8 and our designers are fixing it. In the meantime you can try Firefox.
      Thank you,
      Lisa Greene-Lewis

  23. Tried to use the calculator on this page but it won’t advance past annual income. Using internet explorer.

  24. Tried to use the calculator on this page but it won’t advance past annual income. I am using internet explorer.

    • Hi Stacy,
      What browser are you using? We tested all browsers before launching. You may need to update, but let us know so we can have the developer check it out. Also, use the arrows instead of the Tab button.
      Thank you,
      Lisa Greene-Lewis

    • Hi Brenda,
      Click the start button on this post and answer the questions when prompted.
      Thank you,
      Lisa Greene-Lewis

    • Hi Coleen,
      Thank you for the feedback. What browser are you using? We tested all browsers before launching, but let us know so we can check again. You also may need to update your browser.
      Please make sure you are using the arrows to proceed through instead of the “Tab” button.
      Thank you,
      Lisa Greene-Lewis

    • Hi Susie,
      What browser are you using? We tested all browsers, but please let me know. Also, make sure you’re using the arrow buttons and not the “Tab” button.
      Thank you,
      Lisa Greene-Lewis

    • Hi Linda,
      What browser are you using? We tested all browsers, but please let me know. Also, make sure you’re using the arrow buttons and not the “Tab” button. We are looking into this.
      Thank you for your feedback.
      Lisa Greene-Lewis

  25. Calculator is kinda useless if it won’t progress beyond the household income portion.

    • Hi Paulette,
      Sorry you are having difficulties. What browser are you using? We tested all browsers, but please let us know so we can address the problem.
      Thank you for you feedback.
      Lisa Greene-Lewis

    • Hi Sharon,
      Thank you for the feedback. Please let us know what browser you’re using. We tested all browsers before launching, but we will check into this. Also, make sure you are using the arrow buttons instead of “Tab”
      Thank you,
      Lisa Greene-Lewis

    • Hi Kim,
      Thank you for your feedback. Please let me know what browser you’re using. We tested all browsers before launching, but it will help us address the problem if we know what browser you’re on.
      Thank you,
      Lisa Greene-Lewis