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Check Eligibility for Subsidies

See If You Qualify for Lower-Cost Health Insurance

Subsidy Calculation Page

Check Your Eligibility

Categories: Health Insurance

Page Tags: advance premium tax credit | health insurance | health insurance subsidy

Home > Health Insurance > Check Eligibility for Subsidies

Do You Qualify for Lower-Cost Health Insurance?

Let’s Check Your Eligibility

Answer a few quick questions to estimate your subsidy eligibility based on your income and household size. This will show whether you qualify for a Marketplace plan (Nevada Health Link), Medicaid, or a private, non-subsidized policy.

Or… Just Call Us

(702) 898-0554

Fast and Easy – With Expert Help

One of our licensed agents will guide you step-by-step through your enrollment, answer your questions, and help you find the plan that’s right for you.

Or… Just Call Us

(702) 898-0554

Fast and Easy – With Expert Help

One of our licensed agents will guide you step-by-step through your enrollment, answer your questions, and help you find the plan that’s right for you.

2026 Health Insurance

Follow These Six Steps

Next Steps

On The Next Page

Once you know your eligibility, you’ll move on to:

3). Location Options

Use the Nevada counties map to verify insurance availability

4). Select a Metal Tier

Choose between Platinum, Gold, Silver, or Bronze levels to balance your monthly premium with your potential out-of-pocket costs.

5). Compare Plan Networks & Coverage

Verify doctor and hospital networks, prescription coverage, and available urgent or emergency care.

6). Select Insurance Company & Plan

Compare available insurers and plans, reviewing premiums, deductibles, co-pays, coinsurance, and out-of-pocket maximums.

Step #1
Calculate Your Gross Income

Modified Adjusted Gross Income for Health Insurance Subsidy

How To Figure Your MAGI

Modified Adjusted Gross Income

Calculating Your Income

When you apply for a subsidy you’ll need to estimate your income (before taxes) for the year in which you’re applying for insurance. If you are not sure, you’ll have to make your best estimate. We recommend you speak with your accountant to get your “Modified Adjusted Gross Income” calculation.

Modified Adjusted Income for most folks will be the Adjusted Gross Income on line 37 of your 1040, or 21 of your form 1040A or line 4 of your 1040EZ of your tax return.

MAGI Instructions Continued - click to open/close

Add:

You and your spouse’s income, if you’re married and will file a joint tax return
Any dependents who make enough money to be required to file a tax return

You’ll Need To Include:

Wages
Salaries
Tips
Alimony – After 1/1/2019 DO NOT include.
Unemployment compensation
Self Employed or business (generally the amount of money you take in from your business minus your business expenses)
Social Security payments, including disability payments – but not Supplemental Security Income (SSI)
Retirement income, Investment income, pension income, rental income, prizes, awards, gambling winnings
Generally withdrawals from an IRA (Not Roth IRA.) See IRS Form 8606
Withdrawals from a 401k plan (less distributions from a Roth Account) See IRS Pub. 575
Excluded (untaxed) foreign income
Capital Gains

Do Not Include:

Gifts
Child support
Supplemental Security Income (SSI)
Veterans’ disability payments
Workers’ compensation
Qualified withdrawals from a Roth IRA. See IRS Pub. 590
Proceeds from loans (like student loans, home equity loans, or bank loans)

We suggest you refer to your federal income tax return to get a quick estimate of your AGI. On your tax return, please refer to:

Line 4 if you filed a Form 1040EZ
Line 21 if you filed a Form 1040A
Line 37 if you filed a Form 1040

Keep in mind, the subsidies are based off the “Household Modified Adjusted Income.”

We recommend you speak with your accountant to get your “Modified Adjusted Gross Income” calculation.

Disclaimer: The material in this site is provided for educational purposes only and does not substitute consultation with an Attorney or Accountant. We do not guarantee the accuracy or completeness of the definitions or any information or other items within this website. Any inclusions of incorrect data or omissions of correct data is unintentional. We will make periodic changes to these materials at any time and make no commitment to update the information contained herein, although we will continue to update as often as possible. The Nevada Insurance Enrollment Marketplace shall not assume any responsibility or liability for any such inadvertent errors or inaccuracies, and shall have no obligation to honor transactions or information affected by such inaccuracies.

Step #2
Calculate Your Subsidy

Be Careful Here

You do not want to understate your income or you could end up owing money to the IRS.

For example, if your premiums are $1,000/month and you get an Advanced Premium Tax Credit of $800/month only paying $200/month for your health insurance. When you do your taxes and file your tax return each year, the Government will check your income. If you were only supposed to receive an Advanced Tax Credit of $700/month instead of $800/month, you’ll owe the IRS an extra $100/month x 12 months which would equal $1,200 that you would owe the IRS.

The Advanced Premium Tax Credit is an “estimation” of your pre-tax credit, so if you’ve received too much “credit,” you’ll end up paying it all back, or a portion of it back. Your percentage of Federal Poverty Level determines this.

2025 Health Insurance Subsidy Calculator

* The annual subsidy amounts change in January of each year

NOTE: You can buy a plan outside of the “Marketplace” that doesn’t have a subsidy

Health Insurance Quotes

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(702) 898-0554

2). Online

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3). In Person

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N. Las Vegas, NV 89032

(702) 898-0554

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From October 15th through January 15th

Monday through Friday: 7am to 8pm

Saturday: 8am to 6pm

Sunday: closed

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Check Eligibility for Subsidies

See If You Qualify for Lower-Cost Health Insurance

Subsidy Calculation Page

Check Your Eligibility

Do You Qualify for Lower-Cost Health Insurance?

Let’s Check Your Eligibility

Answer a few quick questions to estimate your subsidy eligibility based on your income and household size. This will show whether you qualify for a Marketplace plan (Nevada Health Link), Medicaid, or a private, non-subsidized policy.

Or… Just Call Us

(702) 898-0554

Fast and Easy – With Expert Help

One of our licensed agents will guide you step-by-step through your enrollment, answer your questions, and help you find the plan that’s right for you.

Or… Just Call Us

(702) 898-0554

Fast and Easy – With Expert Help

One of our licensed agents will guide you step-by-step through your enrollment, answer your questions, and help you find the plan that’s right for you.