ACA subsidy calculator
Estimate your premium tax credit and what a benchmark Silver plan might cost you each month.
Health tools ·
2026 figures
Arizona Special Enrollment Period Checker
Missing Open Enrollment does not always mean waiting a year. Answer two questions about what changed and when, and this tells you whether you likely qualify for a Special Enrollment Period on HealthCare.gov, and how long you have left.
In clients' words
What working with Viola looks like
Viola is amazing to work with she really helped my aunt get on the correct insurance plan that meet her health needs! It was so easy to communicate with Viola. She makes sure she reviews our plan every year and educates us on any changes. We have peace of mind which is hard to come by with health insurance!
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- A guide to the common qualifying events, not an eligibility decision. Only the Marketplace can confirm eligibility.
- Most Special Enrollment Periods run 60 days from the qualifying event.
- A loss of coverage usually also lets you apply in the 60 days before it happens, which prevents a gap.
- Voluntarily dropping coverage you could have kept, or losing it for non-payment, does not qualify.
- You will normally need documents that prove the event. Gather them early.
- Open Enrollment for 2027 coverage starts November 1, 2026.
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real Marketplace plans for your ZIP code:
Rise Up Benefits Group is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
Common questions
What counts as a qualifying life event for health insurance?
Common ones are losing health coverage, getting married, having or adopting a child, moving to a new ZIP code or county with prior coverage, and gaining citizenship or lawful presence.
How long is a Special Enrollment Period?
Usually 60 days from the event. For a loss of coverage you can also apply up to 60 days before it ends, which avoids a gap.
Does quitting my plan or not paying count as losing coverage?
No. Dropping coverage you could have kept, or losing it for not paying premiums, does not qualify.
When is ACA Open Enrollment in Arizona?
Open Enrollment on HealthCare.gov for 2027 coverage starts November 1, 2026. Outside it, you need a qualifying event to enroll.
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We speak insurance, so you don't have to.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776