The “affordable” part of the Affordable Care Act  (ACA) comes in the form of tax subsidies based on an individual’s or household’s income. And those subsidies can be significant, even for individuals whose income are up to the 400% above the national poverty line. The Kaiser Family Foundation has created this calculator to illustrate health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid or Medicare, can apply for tax credit subsidies available through state-based exchanges.