GovAid: Health

GovAid: Health provides eligibility and premium estimates for Medicaid and ACA for the FY 2026 health insurance landscape. Built to handle the massive regulatory shifts of the One Big Beautiful Bill Act (OBBBA) signed July 2025, this calculator helps you navigate the return of the ACA "Subsidy Cliff" and new state-level Medicaid work requirements with ease.

Core Features:

The Engine:
-Accurate modeling for the 2026 tax year, including restored federal subsidy cliffs and updated Federal Poverty Level (FPL) thresholds.

Medicaid & ACA Tiering:
-Instantly determine if you fall into Platinum (Medicaid), Silver CSR (Enhanced Subsidies), or Standard Market ACA tiers.

MAGI Maximizer:
-Calculates your Modified Adjusted Gross Income (MAGI) with precision. Includes "above-the-line" deductions for 401(k), HSA, and IRA contributions to see how retirement savings can trigger lower premiums or Medicaid eligibility.

State-Specific Gap Analysis:
-Dedicated logic for Non-Expansion States (e.g., TX, FL, GA) to identify "Coverage Gaps" and parental income limits.

Compliance Screening:
-Integrated work-requirement trackers for states like Georgia and Nebraska, and citizenship-status filters for post-October 2026 federal aid restrictions.

What-If Scenario Slider:
-Dynamically adjust your projected income to see exactly where "Cliffs" occur and how much you can save by reducing your MAGI.

GovAid: Health is designed for high-performance estimation with a natural, fluid user interface. Navigate the complex 2026 healthcare changes with data-driven confidence.

NOTE: This app is not intended to impersonate the identity of any government agency. It is not possible to apply for Medicaid, ACA Marketplace plans, Medicare, or SNAP/EBT benefits via this app. This app is intended to provide an estimated calculation only based on public information from federal and state websites.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/