Array ( [agentpath] => manolo ) ZapIndex
This 2026 IFP quote currently has all the functionality of the previous version of ZapQuotes individuual quote, including side-by-side and at-a-glance functions.

The new ACA functionality is not fully developed and will generate incorrect calculations - please do not apply ACA discounts until we remove this warning.

This new ACA quote feature will make ACA quoting more broker friendly and consumer friendly, we believe more efficient than CoveredCA quoting.

This open enrollment season will be busier than normal, we hope this helps you. After February 1, 2026 this feature will only be available to brokers who participate in ZapQuotes FMO.

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Individual/Family Quote
Individual & Family
Health Insurance Quote
2026 quote 2025 quote

Zip code
Age or dob
Spouse age
# children

Federal Poverty Level (FPL)
  • 2025 FPL (determine rates and enhanced plans)
  • Head of Household $15,650
  • Each additional household member $5500
  • 2025 FPL (determines Medi-Cal benefits)
  • Head of Household $15,650
  • Each additional household member $5500
  • Dependent children in families under 266% of FPL
  • Children under age 19 are not eligible for CoveredCA subsidy
  • Children under age 19 can purchase unsubsidized health plans
  • Children under age 19 can apply for low or no cost Medi-Cal
  • Children age 19-26 may be eligible dependents under CoveredCA family plan
  • Available programs for various FPL levels
  • Under 138%: Medi-Cal for adults
  • Under 266%: Medi-Cal for children
  • Under 213%: Medi-Cal for pregnant women
  • Between 213% & 322%: MCAP for pregnant women
  • Between 266% & 322%: CCHIP for Children in San
    Mateo, San Francisco, and Santa Clara counties
 Benefit Eligibility by Income
Subsidy Calculation
# persons in household
Adj gross income of family
2025 FPL determines enhanced silver level

    Federal Poverty Level (FPL)

  • 138%-150%: Silver 94
  • 150%-200% Silver 87
  • Over 200% Silver 73
 2025 FPL
2025 FPL determines Medi-Cal eligibility

    Federal Poverty Level (FPL)

  • Under 266% - Medi-Cal
  • Over 266% - Insurance
 2025 FPL
Plan