Estimate your eligibility for health insurance subsidies under the ACA
Health Insurance Subsidy Estimator
Enter your total annual income for your household.
Number of people in your household.
Enter the FPL percentage relevant to your state and year (e.g., 200 for 200%).
Estimated annual cost of a benchmark Silver plan in your area.
Your Estimated Subsidy Information
$0.00
Estimated Monthly Premium: $0.00
Monthly Subsidy: $0.00
Your Premium as % of Income: 0.00%
Key Assumptions:
Assumed FPL: N/A
Assumed Benchmark Plan Cost: N/A
Income to FPL Ratio: N/A
Subsidy Calculation Breakdown
Visualizing the relationship between income, FPL, and premium costs.
Subsidy Eligibility Table
Income Level (as % of FPL)
Estimated Premium Contribution (% of Income)
Subsidy Amount (Estimated)
Enter values to populate table.
What is the Kaiser Family Foundation Subsidy Calculator?
{primary_keyword} is a vital online tool designed to help individuals and families understand their potential eligibility for financial assistance to purchase health insurance through the Affordable Care Act (ACA) Marketplace. This calculator, often referencing data and methodologies similar to those used by the Kaiser Family Foundation (KFF), estimates the amount of premium tax credits (subsidies) you might receive based on your income, household size, and the cost of health insurance in your area. Understanding these subsidies is crucial for making health insurance affordable and accessible, a core goal of the ACA.
Who should use it? Anyone looking to purchase health insurance through the ACA Marketplace, especially those with incomes that might fall within or near the range eligible for subsidies. This includes individuals who are self-employed, unemployed, working for small businesses that don't offer coverage, or whose employer-sponsored insurance is deemed unaffordable or inadequate. It's also useful for those trying to budget for healthcare costs.
Common misconceptions: A common misconception is that subsidies are only for very low-income individuals. In reality, subsidies are available to a broad range of incomes, up to 400% of the Federal Poverty Level (FPL), though the amount of subsidy decreases as income increases. Another misconception is that the calculator provides a guaranteed subsidy amount; it's an estimate, and the final determination is made by the Health Insurance Marketplace.
Kaiser Family Foundation Subsidy Calculator Formula and Mathematical Explanation
The core of the {primary_keyword} calculation revolves around determining the percentage of household income that should reasonably be spent on a benchmark health insurance plan, and then calculating the subsidy as the difference between that amount and the actual cost of the benchmark plan. The ACA sets income-based caps on premium contributions.
The formula generally follows these steps:
Determine Income Relative to Federal Poverty Level (FPL): Calculate the ratio of the household's annual income to the FPL for their household size.
Find the Premium Contribution Limit: Based on the income-to-FPL ratio, determine the percentage of household income the individual is expected to contribute towards their health insurance premium. This percentage increases gradually as income rises relative to the FPL. The ACA established sliding scales for this. For example, individuals below 100% FPL might have a contribution limit of 0%, while those at 300% FPL might contribute around 8.5% of their income.
Calculate Expected Premium Contribution: Multiply the household's annual income by the determined premium contribution percentage. This gives the annual amount the household is expected to pay. Divide by 12 for the monthly expected contribution.
Calculate the Subsidy Amount: Subtract the household's expected monthly premium contribution from the annual cost of the benchmark plan (divided by 12). The result is the estimated monthly premium tax credit (subsidy).
Calculate Final Premium: The final monthly premium the individual pays is the benchmark plan cost minus the subsidy amount.
Variable Explanations:
Variables Used in Subsidy Calculation
Variable
Meaning
Unit
Typical Range
Household Income
Total annual income of all individuals in the tax household.
Currency (e.g., USD)
$10,000 – $150,000+
Household Size
Number of individuals in the household.
Count
1 – 10+
Federal Poverty Level (FPL)
The poverty threshold set annually by the U.S. government, varying by state and household size. Expressed as a percentage.
%
Varies (e.g., 100% FPL, 200% FPL, 400% FPL)
Benchmark Plan Cost
The average annual premium for a benchmark (second-lowest cost Silver plan) in the ACA Marketplace for the specified household size and age.
Currency (e.g., USD)
$5,000 – $15,000+
Premium Contribution Limit
The maximum percentage of household income an individual is expected to pay for a benchmark plan, based on FPL.
%
0% – ~9.5% (varies by year and FPL)
Estimated Premium Contribution
The calculated annual or monthly amount a household is expected to pay for their health insurance.
Currency (e.g., USD)
Varies
Subsidy Amount (Premium Tax Credit)
The financial assistance provided to lower the cost of health insurance premiums.
Currency (e.g., USD)
$0 – Varies significantly
Final Monthly Premium
The actual amount the individual pays monthly after the subsidy is applied.
Currency (e.g., USD)
Varies
Practical Examples (Real-World Use Cases)
Let's explore how the {primary_keyword} works with different scenarios:
Example 1: A Young Couple Seeking Coverage
Inputs:
Household Income: $60,000
Household Size: 2
Federal Poverty Level (FPL) %: 250%
Average Benchmark Plan Cost (Annual): $8,000
Calculation Steps:
Income is 250% of FPL.
The ACA's sliding scale suggests a premium contribution limit of approximately 6.5% of income for this FPL range.
Monthly Benchmark Plan Cost: $8,000 / 12 = $666.67
Monthly Subsidy Amount: $666.67 – $325 = $341.67
Final Monthly Premium: $325
Interpretation: This couple is eligible for a significant monthly subsidy, reducing their premium from over $660 to $325 per month. This makes comprehensive health insurance much more affordable.
Example 2: A Single Individual with Higher Income
Inputs:
Household Income: $90,000
Household Size: 1
Federal Poverty Level (FPL) %: 350%
Average Benchmark Plan Cost (Annual): $6,500
Calculation Steps:
Income is 350% of FPL.
The ACA's sliding scale suggests a premium contribution limit of approximately 8.5% of income for this FPL range.
Monthly Benchmark Plan Cost: $6,500 / 12 = $541.67
Monthly Subsidy Amount: $541.67 – $637.50 = -$95.83 (This indicates no subsidy is available as the expected contribution exceeds the benchmark cost)
Final Monthly Premium: $541.67
Interpretation: Although this individual's income is below the 400% FPL cutoff for subsidies, their income level means their expected contribution towards the benchmark plan ($637.50/month) is higher than the actual cost of the plan ($541.67/month). Therefore, they receive no premium tax credit and would pay the full benchmark plan cost. This highlights how subsidy amounts diminish as income rises.
How to Use This Kaiser Family Foundation Subsidy Calculator
Using the {primary_keyword} is straightforward. Follow these steps to get your personalized estimate:
Enter Household Income: Input the total annual income for everyone in your tax household. This includes wages, salaries, tips, unemployment benefits, Social Security (in most cases), and other taxable income.
Specify Household Size: Enter the number of people who will be covered by the health insurance plan and are part of your tax household.
Indicate Federal Poverty Level (FPL): Provide the FPL percentage relevant to your situation. You can usually find this information on government websites (like Healthcare.gov or your state's health insurance marketplace site) for the current year. It's often expressed as a percentage (e.g., 150%, 200%, 300%, 400%).
Input Benchmark Plan Cost: Estimate the annual premium for a benchmark Silver plan in your area. Marketplaces often provide average costs for different plan types and metal levels. If unsure, use a reasonable estimate based on available data for your region.
Click "Calculate Subsidy": The calculator will process your inputs.
How to read results:
Primary Result (Estimated Monthly Premium): This is the most crucial number – the estimated amount you'll pay each month for a benchmark Silver plan after the subsidy is applied.
Monthly Subsidy: Shows the dollar amount of financial assistance you're estimated to receive.
Estimated Monthly Premium: The cost of the benchmark plan before subsidies.
Your Premium as % of Income: Indicates how affordable the plan is relative to your income.
Key Assumptions: Provides context on the FPL and benchmark plan cost used in the calculation.
Decision-making guidance: If the estimated monthly premium is still too high, explore plans in different metal tiers (Bronze, Gold, Platinum) or check if you qualify for Medicaid or CHIP, which have different eligibility criteria. Remember, this calculator provides an estimate; your final subsidy amount will be confirmed when you apply through the official ACA Marketplace. You can also explore related tools for more comprehensive financial planning.
Key Factors That Affect Subsidy Results
Several factors significantly influence the estimated subsidy amount and your final health insurance premium:
Household Income: This is the primary driver. Higher income generally leads to lower subsidies, as you're expected to contribute a larger percentage of your income towards premiums. Conversely, lower income results in higher subsidies.
Household Size: The FPL is adjusted based on household size. A larger household typically has a higher FPL threshold, meaning a higher income might still qualify for subsidies compared to a smaller household with the same income.
Federal Poverty Level (FPL) Standards: The FPL guidelines are updated annually and vary by state. Changes in these standards can affect your income's position relative to the FPL, thus altering your subsidy eligibility and amount.
Cost of Benchmark Plan: The average premium for the second-lowest cost Silver plan in your specific geographic area is critical. If these benchmark plans are expensive, your potential subsidy will be larger (assuming you qualify). Factors like age, location, and plan benefits influence this cost.
Age: While not directly an input in this simplified calculator, age is a factor in determining actual insurance premiums. Older individuals generally pay more for health insurance, which can increase the benchmark plan cost and, consequently, the potential subsidy amount.
Plan Choice (Metal Level): Subsidies are calculated based on the cost of a Silver plan. While you can enroll in Bronze, Gold, or Platinum plans and still receive the same subsidy amount (applied towards the Silver plan cost), choosing a different metal level affects your out-of-pocket costs and the total premium.
Geographic Location: Healthcare costs and plan availability vary significantly by region. The benchmark plan cost, which directly impacts subsidy calculations, is location-specific.
Frequently Asked Questions (FAQ)
Q1: What is the income limit for ACA subsidies?
A: Generally, individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) are eligible for premium tax credits. For 2024, 400% FPL is approximately $60,000 for an individual and $124,920 for a family of four. However, recent legislation has temporarily removed the 400% FPL upper income limit, meaning subsidies are available to higher earners if their premium contribution would exceed 8.5% of their income.
Q2: How is "household income" defined for subsidy purposes?
A: Household income typically includes the modified adjusted gross income (MAGI) of the taxpayer, their spouse, and dependents they expect to claim on their tax return. Certain income sources may be excluded, and adjustments are made. It's best to consult official Marketplace guidelines or a tax professional.
Q3: What is a "benchmark plan"?
A: The benchmark plan is defined as the second-lowest cost plan in the Silver metal level category offered through the ACA Marketplace in a specific service area. Premium tax credits are calculated based on the cost of this plan.
Q4: Can I get subsidies if I'm offered employer-sponsored insurance?
A: Generally, you are not eligible for subsidies if you have access to affordable employer-sponsored health insurance. Affordability is typically defined as the employee's share of the premium for self-only coverage being less than a certain percentage of household income (around 9.5% in 2024, adjusted annually).
Q5: What happens if my income changes during the year?
A: You should report significant income changes to the Marketplace. If your income increases, you might have to repay some of the subsidy you received. If your income decreases, you might become eligible for a larger subsidy. It's important to reconcile your actual income with the Marketplace at the end of the year during tax filing.
Q6: Does the calculator account for cost-sharing reductions (CSRs)?
A: This calculator primarily focuses on premium tax credits (subsidies that lower your monthly premium). Cost-sharing reductions, which lower deductibles, copayments, and coinsurance, are available to individuals with incomes between 100% and 250% FPL enrolled in a Silver plan. These are typically applied automatically by the Marketplace if you qualify.
Q7: Are the subsidy calculations the same in every state?
A: The core methodology is federal, but benchmark plan costs and FPL percentages can vary by state. States that operate their own ACA Marketplaces might have slightly different presentation or specific plan data available.
Q8: How accurate is this calculator?
A: This calculator provides a reliable estimate based on standard ACA formulas and typical market data. However, actual subsidy amounts are determined by the official Health Insurance Marketplace during the enrollment process, which considers precise plan costs, specific income calculations (MAGI), and other eligibility factors.
var householdIncomeInput = document.getElementById("householdIncome");
var householdSizeInput = document.getElementById("householdSize");
var federalPovertyLevelInput = document.getElementById("federalPovertyLevel");
var benchmarkPlanCostInput = document.getElementById("benchmarkPlanCost");
var householdIncomeError = document.getElementById("householdIncomeError");
var householdSizeError = document.getElementById("householdSizeError");
var federalPovertyLevelError = document.getElementById("federalPovertyLevelError");
var benchmarkPlanCostError = document.getElementById("benchmarkPlanCostError");
var primaryResultDiv = document.getElementById("primaryResult");
var estimatedPremiumSpan = document.querySelector("#estimatedPremium span");
var subsidyAmountSpan = document.querySelector("#subsidyAmount span");
var premiumAsFPLSpan = document.querySelector("#premiumAsFPL span");
var assumedFPLDiv = document.getElementById("assumedFPL");
var assumedBenchmarkDiv = document.getElementById("assumedBenchmark");
var incomeToFPLRatioDiv = document.getElementById("incomeToFPLRatio");
var formulaExplanationP = document.getElementById("formulaExplanation");
var subsidyTableBody = document.getElementById("subsidyTableBody");
var ctx;
var subsidyChart;
// Default FPL values for reference (these are simplified and illustrative)
// In a real scenario, these would be dynamically fetched or based on year/state.
var fplData = {
"100": 13590, // Example FPL for 1 person in 2024
"150": 20385,
"200": 27180,
"250": 33975,
"300": 40770,
"350": 47565,
"400": 54360
};
// Contribution limits as % of income (simplified sliding scale based on ACA rules)
// These percentages are illustrative and based on ACA guidelines for premium tax credits.
var contributionLimits = [
{ fplMax: 100, limit: 0.00 }, // Below 100% FPL may qualify for Medicaid or have 0% contribution limit for subsidies
{ fplMax: 138, limit: 0.00 }, // Often Medicaid gap, but some states expanded
{ fplMax: 150, limit: 2.50 },
{ fplMax: 200, limit: 4.00 },
{ fplMax: 250, limit: 6.50 },
{ fplMax: 300, limit: 8.50 },
{ fplMax: 350, limit: 8.50 },
{ fplMax: 400, limit: 8.50 }
];
function getFPLValue(fplPercentage, householdSize) {
// Simplified FPL calculation: Base FPL for 1 person * (householdSize adjustment factor)
// Real FPLs are complex and published annually. This is an approximation.
var baseFplForOne = 14580; // Example base FPL for 2024
var adjustmentFactor = 1;
if (householdSize === 1) adjustmentFactor = 1.0;
else if (householdSize === 2) adjustmentFactor = 1.37;
else if (householdSize === 3) adjustmentFactor = 1.74;
else if (householdSize === 4) adjustmentFactor = 2.11;
else adjustmentFactor = 2.11 + (householdSize – 4) * 0.37;
var fplForHousehold = baseFplForOne * adjustmentFactor;
return (fplPercentage / 100) * fplForHousehold;
}
function getContributionLimit(incomeToFPLRatio) {
var effectiveFPLPercentage = incomeToFPLRatio * 100;
for (var i = contributionLimits.length – 1; i >= 0; i–) {
if (effectiveFPLPercentage >= contributionLimits[i].fplMax) {
// If income is above 400% FPL, the limit is capped at 8.5% (or current year's max)
// unless specific legislation changes it.
if (effectiveFPLPercentage > 400 && contributionLimits[i].fplMax === 400) {
return contributionLimits[i].limit;
} else if (effectiveFPLPercentage > 400 && contributionLimits[i].fplMax < 400) {
// This case should ideally not be reached if loop is correct, but for safety
continue;
}
return contributionLimits[i].limit;
}
}
// If below the lowest defined FPL threshold (e.g., <100%), assume 0% contribution limit for subsidy calculation purposes
return 0.00;
}
function calculateSubsidy() {
var householdIncome = parseFloat(householdIncomeInput.value);
var householdSize = parseInt(householdSizeInput.value);
var fplPercentage = parseFloat(federalPovertyLevelInput.value);
var benchmarkPlanCostAnnual = parseFloat(benchmarkPlanCostInput.value);
// Reset errors
householdIncomeError.classList.remove("visible");
householdSizeError.classList.remove("visible");
federalPovertyLevelError.classList.remove("visible");
benchmarkPlanCostError.classList.remove("visible");
var isValid = true;
if (isNaN(householdIncome) || householdIncome < 0) {
householdIncomeError.textContent = "Please enter a valid non-negative income.";
householdIncomeError.classList.add("visible");
isValid = false;
}
if (isNaN(householdSize) || householdSize < 1) {
householdSizeError.textContent = "Please enter a valid household size (at least 1).";
householdSizeError.classList.add("visible");
isValid = false;
}
if (isNaN(fplPercentage) || fplPercentage < 0) {
federalPovertyLevelError.textContent = "Please enter a valid non-negative FPL percentage.";
federalPovertyLevelError.classList.add("visible");
isValid = false;
}
if (isNaN(benchmarkPlanCostAnnual) || benchmarkPlanCostAnnual < 0) {
benchmarkPlanCostError.textContent = "Please enter a valid non-negative benchmark plan cost.";
benchmarkPlanCostError.classList.add("visible");
isValid = false;
}
if (!isValid) {
// Clear results if inputs are invalid
primaryResultDiv.textContent = "$0.00";
estimatedPremiumSpan.textContent = "$0.00";
subsidyAmountSpan.textContent = "$0.00";
premiumAsFPLSpan.textContent = "0.00%";
assumedFPLDiv.textContent = "Assumed FPL: N/A";
assumedBenchmarkDiv.textContent = "Assumed Benchmark Plan Cost: N/A";
incomeToFPLRatioDiv.textContent = "Income to FPL Ratio: N/A";
formulaExplanationP.textContent = "";
updateTable([]);
return;
}
var benchmarkPlanCostMonthly = benchmarkPlanCostAnnual / 12;
var actualFPLValue = getFPLValue(fplPercentage, householdSize);
var incomeToFPLRatio = householdIncome / actualFPLValue;
var incomeToFPLRatioPercent = incomeToFPLRatio * 100;
var contributionLimitPercent = getContributionLimit(incomeToFPLRatio);
var expectedMonthlyPremiumContribution = householdIncome * contributionLimitPercent / 12;
var subsidyAmountMonthly = Math.max(0, benchmarkPlanCostMonthly – expectedMonthlyPremiumPremiumContribution);
var finalMonthlyPremium = benchmarkPlanCostMonthly – subsidyAmountMonthly;
// Ensure final premium doesn't go below zero (shouldn't happen with Math.max)
// and doesn't exceed benchmark cost if subsidy is zero or negative.
finalMonthlyPremium = Math.max(0, finalMonthlyPremium);
if (subsidyAmountMonthly === 0) {
finalMonthlyPremium = benchmarkPlanCostMonthly;
}
var premiumAsFPLPercent = (finalMonthlyPremium / householdIncome) * 100;
// Format currency and percentages
var formattedSubsidy = subsidyAmountMonthly.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
var formattedFinalPremium = finalMonthlyPremium.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
var formattedBenchmarkCost = benchmarkPlanCostMonthly.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
var formattedIncomeToFPLRatio = incomeToFPLRatioPercent.toFixed(2) + "%";
var formattedPremiumAsFPL = premiumAsFPLPercent.toFixed(2) + "%";
primaryResultDiv.textContent = formattedFinalPremium;
estimatedPremiumSpan.textContent = formattedBenchmarkCost;
subsidyAmountSpan.textContent = formattedSubsidy;
premiumAsFPLSpan.textContent = formattedPremiumAsFPL;
assumedFPLDiv.textContent = "Assumed FPL Value: " + actualFPLValue.toLocaleString('en-US', { style: 'currency', currency: 'USD' }) + " for " + householdSize + " people";
assumedBenchmarkDiv.textContent = "Assumed Benchmark Plan Cost: " + formattedBenchmarkCost + "/month";
incomeToFPLRatioDiv.textContent = "Income to FPL Ratio: " + formattedIncomeToFPLRatio;
formulaExplanationP.textContent = "The subsidy is calculated by finding the difference between the benchmark plan's monthly cost and the amount your household is expected to contribute, which is capped at a percentage of your income based on your FPL ratio.";
updateChartAndTable(householdIncome, householdSize, fplPercentage, benchmarkPlanCostAnnual);
}
function updateChartAndTable(currentIncome, currentHouseholdSize, currentFPLPercentage, currentBenchmarkCostAnnual) {
var chartDataSeries1 = []; // Premium Contribution %
var chartDataSeries2 = []; // Subsidy Amount
var tableRows = [];
var chartLabels = [];
var benchmarkPlanCostMonthly = currentBenchmarkCostAnnual / 12;
// Generate data for table and chart across a range of incomes around the current input
var incomeRangeStart = Math.max(0, currentIncome – 20000);
var incomeRangeEnd = currentIncome + 30000;
var step = (incomeRangeEnd – incomeRangeStart) / 10; // 10 data points
for (var i = 0; i <= 10; i++) {
var testIncome = incomeRangeStart + i * step;
if (testIncome < 0) testIncome = 0;
var actualFPLValue = getFPLValue(currentFPLPercentage, currentHouseholdSize); // FPL % is fixed for this chart context
var incomeToFPLRatio = testIncome / actualFPLValue;
var incomeToFPLRatioPercent = incomeToFPLRatio * 100;
var contributionLimitPercent = getContributionLimit(incomeToFPLRatio);
var expectedMonthlyPremiumContribution = testIncome * contributionLimitPercent / 12;
var subsidyAmountMonthly = Math.max(0, benchmarkPlanCostMonthly – expectedMonthlyPremiumContribution);
var finalMonthlyPremium = benchmarkPlanCostMonthly – subsidyAmountMonthly;
finalMonthlyPremium = Math.max(0, finalMonthlyPremium);
var premiumAsFPLPercent = (finalMonthlyPremium / testIncome) * 100;
if (isNaN(premiumAsFPLPercent) || !isFinite(premiumAsFPLPercent)) premiumAsFPLPercent = 0;
var formattedTestIncome = testIncome.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
var formattedContributionLimit = contributionLimitPercent.toFixed(2) + "%";
var formattedSubsidy = subsidyAmountMonthly.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
var formattedFinalPremium = finalMonthlyPremium.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
var formattedIncomeToFPL = incomeToFPLRatioPercent.toFixed(2) + "%";
chartLabels.push(formattedIncomeToFPL); // Use FPL ratio as X-axis label
chartDataSeries1.push(contributionLimitPercent); // Premium Contribution %
chartDataSeries2.push(subsidyAmountMonthly); // Subsidy Amount
tableRows.push(
"
" + formattedIncomeToFPL + "
" + formattedContributionLimit + "
" + formattedSubsidy + "
"
);
}
subsidyTableBody.innerHTML = tableRows.join("");
// Charting
if (!ctx) {
ctx = document.getElementById("subsidyChart").getContext("2d");
}
if (subsidyChart) {
subsidyChart.destroy(); // Destroy previous chart instance if it exists
}
subsidyChart = new Chart(ctx, {
type: 'bar', // Changed to bar for better comparison of two series
data: {
labels: chartLabels,
datasets: [{
label: 'Your Premium Contribution (%)',
data: chartDataSeries1,
backgroundColor: 'rgba(0, 74, 153, 0.6)', // Primary color
borderColor: 'rgba(0, 74, 153, 1)',
borderWidth: 1,
yAxisID: 'y-axis-percent'
}, {
label: 'Monthly Subsidy ($)',
data: chartDataSeries2,
backgroundColor: 'rgba(40, 167, 69, 0.6)', // Success color
borderColor: 'rgba(40, 167, 69, 1)',
borderWidth: 1,
yAxisID: 'y-axis-currency'
}]
},
options: {
responsive: true,
maintainAspectRatio: false,
scales: {
x: {
title: {
display: true,
text: 'Income as % of Federal Poverty Level'
}
},
'y-axis-percent': {
type: 'linear',
position: 'left',
min: 0,
max: 10, // Max contribution is around 8.5-9.5%
title: {
display: true,
text: 'Contribution Percentage (%)'
},
grid: {
display: false // Hide grid lines for the first y-axis
}
},
'y-axis-currency': {
type: 'linear',
position: 'right',
min: 0,
max: benchmarkPlanCostMonthly * 1.5, // Adjust max based on benchmark cost
title: {
display: true,
text: 'Subsidy Amount ($)'
}
}
},
plugins: {
tooltip: {
callbacks: {
label: function(context) {
var label = context.dataset.label || ";
if (label) {
label += ': ';
}
if (context.dataset.label === 'Your Premium Contribution (%)') {
label += context.raw.toFixed(2) + '%';
} else {
label += context.raw.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
}
return label;
}
}
},
legend: {
position: 'top'
}
}
}
});
}
function resetCalculator() {
householdIncomeInput.value = 50000;
householdSizeInput.value = 2;
federalPovertyLevelInput.value = 200;
benchmarkPlanCostInput.value = 7000;
// Clear errors
householdIncomeError.textContent = "";
householdIncomeError.classList.remove("visible");
householdSizeError.textContent = "";
householdSizeError.classList.remove("visible");
federalPovertyLevelError.textContent = "";
federalPovertyLevelError.classList.remove("visible");
benchmarkPlanCostError.textContent = "";
benchmarkPlanCostError.classList.remove("visible");
calculateSubsidy(); // Recalculate with default values
}
function copyResults() {
var primaryResult = primaryResultDiv.textContent;
var estimatedPremium = estimatedPremiumSpan.textContent;
var subsidyAmount = subsidyAmountSpan.textContent;
var premiumAsFPL = premiumAsFPLSpan.textContent;
var assumedFPL = assumedFPLDiv.textContent;
var assumedBenchmark = assumedBenchmarkDiv.textContent;
var incomeToFPLRatio = incomeToFPLRatioDiv.textContent;
var formula = formulaExplanationP.textContent;
var resultsText = "Kaiser Family Foundation Subsidy Calculator Results:\n\n";
resultsText += "Primary Result (Estimated Monthly Premium): " + primaryResult + "\n";
resultsText += "Estimated Monthly Benchmark Plan Cost: " + estimatedPremium + "\n";
resultsText += "Monthly Subsidy Amount: " + subsidyAmount + "\n";
resultsText += "Your Premium as % of Income: " + premiumAsFPL + "\n\n";
resultsText += "Key Assumptions:\n";
resultsText += assumedFPL + "\n";
resultsText += assumedBenchmark + "\n";
resultsText += incomeToFPLRatio + "\n\n";
resultsText += "Formula Explanation: " + formula + "\n";
// Copy to clipboard
var textArea = document.createElement("textarea");
textArea.value = resultsText;
textArea.style.position = "fixed";
textArea.style.left = "-9999px";
document.body.appendChild(textArea);
textArea.focus();
textArea.select();
try {
var successful = document.execCommand('copy');
var msg = successful ? 'Results copied!' : 'Copying failed!';
// Optionally show a temporary message to the user
console.log(msg);
} catch (err) {
console.error('Fallback: Oops, unable to copy', err);
}
document.body.removeChild(textArea);
}
// Initial calculation on page load
window.onload = function() {
// Ensure canvas context is available before first chart draw
ctx = document.getElementById("subsidyChart").getContext("2d");
calculateSubsidy();
};