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Can I Get Help Paying for Insurance?

This tool will give you an estimate of how much you could pay for health insurance in 2015. It will also tell you whether you are eligible for a tax credit from the government to help pay your premiums.

Enter your household size and your household income, before taxes, in the form below. The form will show you your results in real time.

Important: Do you have health insurance at work?

In most cases, if your employer offers you health insurance, you will not be eligible for a subsidy.

Your Information:


based on a silver-level insurance plan

  • The numbers below assume you will buy a silver-level insurance plan. You can see more information below about how much each level costs and pays for healthcare.
  • In general, if you buy a higher-level plan (gold or platinum), your insurance will pay more of your medical bills. However, your premium will cost more each month. If you choose a bronze plan, your insurance will pay less of your medical bills, but your premiums will be less.

What's the difference between bronze, silver, gold and platinum insurance plans?

Health Care reform divides insurance plans into four levels of coverage and cost.

In each level, your insurance plan pays a certain percentage of the cost and you pay the rest.

For example, the platinum tier would typically pay more of your medical costs than a bronze plan would. However, a bronze plan will most likely cost you less.

Blue Cross and Blue Shield of Louisiana (BCBSLA) is an independent licensee of the Blue Cross and Blue Shield Association and incorporated as Louisiana Health Service & Indemnity Company.

FOR INFORMATIONAL PURPOSES ONLY. The material and tools displayed on this website are provided without any guarantees, conditions or warranties as to their accuracy. All information presented on this website is solely for illustrative purposes. The information is based on certain assumptions, interpretations, and calculations that are not necessarily accurate with regard to the provisions of PPACA, HCERA, HIPAA, COBRA, ERISA, and other rules, regulations, guidances and all other documents issued by relevant state and federal agencies with regard to these laws or any other relevant laws. State and Federal laws are subject to change at any time. Use of any information obtained from this website is provided "AS IS" and should not be relied on. The information provided should not be considered as legal, financial, accounting, planning, or tax advice. You should consult your attorneys, accountants, and other employees or experts for this type of advice based on their own interpretations, calculations and determinations of applicable laws, rules, regulations, guidances and any other documents and information that they determine may be relevant.

BCBSLA makes no guarantees or other representations as to the accuracy or completeness of the website or of the results obtained from using the calculator or other tools on the website. These instruments are intended solely for illustrative purposes. BCBSLA expressly disclaims any and all liability for information obtained from use of the website or the calculator by any BCBSLA employee or by any other person. No warranty of any kind is given with regard to the contents of the website or results from use of any tool on this website.