Lucie’s calculator uses ACA subsidy rules and the information you provide to give you a subsidy estimate. This includes things like your household size, location, age range, and estimated income.

Just remember, it’s an estimate. The final subsidy amount is confirmed during enrollment.

Yes. Lucie is an approved HealthCare.gov enrollment platform. Your estimate is based on the same ACA subsidy rules used by HealthCare.gov.

The difference is the experience. Lucie is designed to help you understand your subsidy and plan options in one place. That way, you don’t have to navigate a second site or start over. Your final subsidy amount is confirmed during enrollment, but you don’t have to leave Lucie to get there.

No, this estimate applies just to the cost of monthly premiums. It doesn’t include deductibles, copays, coinsurance, or other out-of-pocket costs.

That’s important because the plan with the lowest monthly premium isn’t always the least expensive overall. Lucie helps you compare plans based on total expected costs. So you can see how premiums, deductibles, and plan usage work together before you choose.