Free Health Insurance Calculators for Texas
Use our free Texas health insurance calculators to estimate ACA subsidies, self-employed deductions, federal poverty level, and small business coverage costs.
Estimate Your Costs in Minutes
These calculators are built for Texas families, freelancers, and small business owners. No personal information required.
2026 Federal Poverty Level Estimator
Find your household's FPL percentage for ACA subsidy and Medicaid thresholds.
Will You Hit the Insurance Cliff?
Enter your estimated household income to see where you stand relative to the 400% Federal Poverty Level threshold.
MAGI Subsidy Estimator
Estimate your monthly ACA premium tax credit based on income, age, and household size.
MAGI & Premium Tax Credit Estimator
Compare your 2025 (enhanced) vs. 2026 (reverted) ACA subsidy eligibility and monthly costs.
Self-Employed Health Insurance Deduction
Calculate how much you can deduct as a Texas freelancer, 1099 contractor, or sole proprietor.
Self-Employed Tax Savings Calculator
Estimate your 2026 tax savings from the self-employed health insurance deduction, HSA, and Traditional IRA.
Small Business Coverage Calculator
Estimate employer-sponsored health insurance costs and potential tax credits.
Small Business Coverage Cost Calculator
Compare annual costs for group plans, ICHRAs, QSEHRAs, and HSA strategies based on your team size and budget.
Need Help Interpreting Your Numbers?
Our licensed Texas brokers can review your calculator results, verify your eligibility, and help you enroll in the right plan.