Are You Overpaying for Marketplace Coverage?
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Estimate only. Uses the 2026 HHS poverty guidelines and the official 2027 applicable percentage table (IRS Rev. Proc. 2026-26) for plan year 2027. Final eligibility is determined by the Marketplace using verified MAGI.
What your result means
Under 400% FPL
ACA subsidies likely make the Marketplace your best option — full stop. This is especially true if your income is on the lower side or you need pre-existing conditions covered. Keep your Marketplace plan and make sure you're claiming every dollar of subsidy you're owed.
Over 400% FPL
You're past the subsidy cliff and paying full price. If you're reasonably healthy, tobacco-free, with no pending procedures and no significant medical history, an alternative product may cut your premium significantly. That's worth a free 15-minute call to check.
Why so many Katy, TX households are overpaying
Katy spans Harris, Fort Bend and Waller counties (ZIP codes 77449, 77493, 77494, 77441 and 77450), and household incomes in neighborhoods like Cinco Ranch, Seven Meadows and Cane Island frequently land above 400% of the Federal Poverty Level for their family size. Past that line the Marketplace subsidy is $0 — so a family that qualified for help a few years ago can now be paying the full ACA premium out of pocket at renewal.
That's what the 60-second check above is for: it tells you which side of the subsidy cliff your household is on before you renew. If you're over the line and reasonably healthy, a free 15-minute call can show whether an alternative product could cut your premium significantly — and if you'd rather stay on the Marketplace, we'll help make sure you're not overpaying within it either. Katy households also use us for Medicare coverage and small business group plans.
Local networks matter here too: plans that include Memorial Hermann Katy, Houston Methodist West, HCA Houston Healthcare West and Texas Children's Hospital West Campus behave very differently in-network versus out-of-network — one more reason a local review beats a national quote site.
Where the subsidy cliff hits, in dollars
| Household size | 100% FPL | 400% FPL (subsidy cliff) |
|---|---|---|
| 1 | $15,650 | $62,600 |
| 2 | $21,150 | $84,600 |
| 3 | $26,650 | $106,600 |
| 4 | $32,150 | $128,600 |
| 5 | $37,650 | $150,600 |
| 6 | $43,150 | $172,600 |
Over the cliff? Read the full 400% FPL subsidy cliff guide or browse all 31 ACA-alternative guides. Katy-area questions? See the Katy Health Insurance FAQ.
One warning before you chase a lower premium
Alternative products work because they use medical underwriting — they can say no. If you or a family member has a significant medical history of cancer, diabetes, heart disease or other serious conditions, or a pending procedure, you will likely need an ACA Marketplace plan (Obamacare) even at full price, because it's the only option that must cover pre-existing conditions. Not everyone qualifies for alternatives, and an honest agent will tell you that up front — including us.
Over 400% FPL and healthy? Find out your real number
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.
Frequently asked questions
Stop guessing — get a free overpayment review
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.
Prefer to talk now? Call 800-214-8976 — a licensed Texas agent based in Katy will run your numbers and tell you honestly whether the ACA or an alternative is your best fit. Shopping during open enrollment? Apply by December 15 for a January 1 start — see the enrollment deadlines.