ACA Calculator

How much could you or your family save under the new Federal Health Care Law?

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Small Business Tax Credit

Do you have a small business? Let Eagle Financial Group help you get the credit you deserve. If you are a small employer, with fewer than 25 full-time equivalent employees, pay an average wage of less than $50,000 a year, and pay at least half of employee health insurance premiums then you may qualify for a small business health care tax credit.

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  • Starting in 2014, the tax credit is worth up to 50% of your contribution toward employee premium costs and up to 35% for tax-exempt employers. This will make the cost of providing health coverage lower.
  • The small business health care tax credit is available only if you get coverage through the Small Business Health Options Program (SHOP) Marketplace.

Do you have questions or want to know more about the SHOP Marketplace and the Small Business Tax Credit? Call Eagle Financial Group at (800) 205-7203 or visit eaglefinancialinsurance.com.

If you do not qualify for the small business health care tax credit, Eagle Financial Group can help you find the best group health insurance quotes and provide comprehensive employer health insurance for your employees outside of the SHOP Marketplace.

Talk to an insurance specialist now!

Individuals/Families Tax Credits and Subsidies

If you are looking for affordable health insurance through the Marketplace, the Affordable Care Act provides a new tax credit to help you afford health coverage.

To determine if you may be eligible for a tax credit you can do one of the following:

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Option 1

Use the Affordable Care Act calculator above to illustrate how your family may be affected by the tax credits and limits on age rating included in the law. The estimated premiums will vary from region to region and based on assumptions insurers make in setting premiums. After you view your results, contact Eagle Financial Group to discuss your options for health insurance and how to apply for a tax credit or subsidy.

Option 2

Contact Eagle Financial Group, (800) 205-7203 or visit eaglefinancialinsurance.com. We will calculate for you what your possible tax credit could be and provide you with a custom analysis on what your best health insurance options are in or out of the Marketplace.

Talk to an insurance specialist now!

How do premium subsidies work?

Individuals purchasing coverage on their own will be eligible for government subsidies (through a tax credit) towards their health insurance premiums based on income. Subsidies will be provided to people with family income between 100% and 400% of the federal poverty level (about $24,000 to $94,000 per year for a family of four in 2014).

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The most that these families buying subsidized coverage in an exchange will pay towards a health insurance premium will range from 2.0% of income at 100% of poverty to 9.78% of income at 400% of poverty.

Subsidies will only be available to those purchasing coverage through the exchanges, which includes people who do not have access to alternative insurance (such as Medicaid and affordable employer coverage). When an exchange determines that a person is eligible for a tax credit based on expected income, and that person enrolls in coverage, subsidies will be paid directly to insurers to lower the cost of premiums.

Here is how the calculation might work for a 40-year-old individual making $30,000 a year:

  • Estimated benchmark premium for a 40-year-old = $3,857 per year
  • Person is responsible for paying 8.37% of their income = $2,512
  • Tax Credit = $1,345

Where can I go for help when applying for health coverage in or out of the Marketplace?

Eagle Financial Group:
724 Front Street
Cashton, WI 54619
Phone: (608) 654-5121
Toll Free: (800) 205-7203
Email Eagle Financial Group
eaglefinancialinsurance.com

Talk to an insurance specialist now!