HealthSherpa Quote Test
Instructions
- Type your name and click Start. You get one real household.
- Open HealthSherpa in a new tab. Use a general agent account that shows every carrier (not a one-carrier account), or healthsherpa.com. Quote on-exchange for 2027 with the exact ZIP, ages, tobacco and income shown. Clear any filters and sort by monthly premium.
- Type the six numbers below and click Grade my quote. You need 5 of 6, and the tax credit must be right.
Household rules
- Everyone listed is applying for coverage. No one else is in the tax household.
- Married couples file taxes together.
- The income is the household's expected income for 2027.
- Coverage starts January 1, 2027. Use each person's age as shown.
- No one can get job-based coverage, Medicare or Medicaid.
Pass rule: 5 of 6, and the tax credit must be right.
Single, 28, low income
State: TX. County: Harris County. ZIP: 77036. Yearly income: $22,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 28 | Female | No |
Named plan: Blue Advantage Gold HMO℠ - Standard, Blue Cross and Blue Shield of Texas, plan ID 33602TX0460936
Monthly tax credit (APTC)
Right answer: $505.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: Yes
Cheapest Bronze plan, monthly price after the credit
Right answer: $0.00 (MyBlue Health Bronze℠ - Standard HSA)
Cheapest Silver plan, monthly price after the credit
Right answer: $53.29 (Streamlined VALUE Silver)
That Silver plan's deductible
Right answer: $0.00
The named plan, monthly price after the credit
Right answer: $124.14
Married couple, 45 and 47
State: FL. County: Miami-Dade County. ZIP: 33186. Yearly income: $52,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 45 | Female | No |
| Spouse | 47 | Male | No |
Named plan: UHC Gold Standard ($0 Insulin), UnitedHealthcare, plan ID 68398FL0030036
Monthly tax credit (APTC)
Right answer: $1,376.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: Yes
Cheapest Bronze plan, monthly price after the credit
Right answer: $0.00 (myBlue Essentials Bronze (HSA) 27M07-30 (Rewards))
Cheapest Silver plan, monthly price after the credit
Right answer: $358.67 (myBlue Essentials Silver 27M07-01A ($5 PCP Visits / $5 Labs / Rewards))
That Silver plan's deductible
Right answer: $9,575.00 or $19,150.00
The named plan, monthly price after the credit
Right answer: $1,045.37
Single, 58
State: NC. County: Mecklenburg County. ZIP: 28205. Yearly income: $48,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 58 | Male | No |
Named plan: Blue Local Gold Standard A | $30 PCP | $15 Tier 1 Rx | with Atrium Health, Blue Cross and Blue Shield of NC, plan ID 11512NC0410023
Monthly tax credit (APTC)
Right answer: $840.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: No
Cheapest Bronze plan, monthly price after the credit
Right answer: $170.94 (Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | HSA Eligible | Integrated | with Novant Health)
Cheapest Silver plan, monthly price after the credit
Right answer: $381.60 (Streamlined Silver with Atrium Health)
That Silver plan's deductible
Right answer: $4,700.00
The named plan, monthly price after the credit
Right answer: $947.91
Family of four
State: TN. County: Davidson County. ZIP: 37211. Yearly income: $98,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 38 | Female | No |
| Spouse | 40 | Male | No |
| Child | 13 | Female | No |
| Child | 10 | Male | No |
Named plan: Everyday Gold + Vision + Adult Dental, Ambetter of Tennessee, plan ID 70111TN0120030
Monthly tax credit (APTC)
Right answer: $2,055.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: No
Cheapest Bronze plan, monthly price after the credit
Right answer: $0.00 (BlueCross B15E HSA + $0 virtual care from Teladoc Health®)
Cheapest Silver plan, monthly price after the credit
Right answer: $700.87 (BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health®)
That Silver plan's deductible
Right answer: $9,000.00 or $18,000.00
The named plan, monthly price after the credit
Right answer: $1,105.69
Single, 62, higher income
State: AZ. County: Maricopa County. ZIP: 85032. Yearly income: $72,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 62 | Female | No |
Named plan: Gold Standard, Antidote Health Plan of Arizona, Inc., plan ID 68445AZ0010030
Monthly tax credit (APTC)
Right answer: $0.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: No
Cheapest Bronze plan, monthly price after the credit
Right answer: $898.13 (Bronze Enhanced Blood Pressure Management Unlimited $0 Antidote PCP/Urgent Virtual Visits and $0 Advanced Rx)
Cheapest Silver plan, monthly price after the credit
Right answer: $1,198.57 (Silver Enhanced Blood Pressure Management Unlimited $0 Antidote PCP/Urgent Virtual Visits and $0 Advanced Rx)
That Silver plan's deductible
Right answer: $7,500.00
The named plan, monthly price after the credit
Right answer: $1,685.35
Single, 30, smoker
State: OH. County: Franklin County. ZIP: 43207. Yearly income: $35,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 30 | Male | Yes |
Named plan: GoldComplete+DentalUnlimited $0Antidote PCP/UrgentVirtual Visits and 4 $0 Tier-1 PCP Visits Included, Antidote Health Plan of Ohio, Inc., plan ID 31981OH0010131
Monthly tax credit (APTC)
Right answer: $320.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: Yes
Cheapest Bronze plan, monthly price after the credit
Right answer: $113.95 (Bronze Classic 4700)
Cheapest Silver plan, monthly price after the credit
Right answer: $246.53 (Silver Classic Standard CSR 250)
That Silver plan's deductible
Right answer: $2,900.00
The named plan, monthly price after the credit
Right answer: $547.53
Married couple, 60 and 63
State: MI. County: Wayne County. ZIP: 48219. Yearly income: $40,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 60 | Female | No |
| Spouse | 63 | Male | No |
Named plan: UHC Gold Advantage (Virtual Urgent Care, No Referrals), UnitedHealthcare, plan ID 71667MI0010048
Monthly tax credit (APTC)
Right answer: $2,422.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: Yes
Cheapest Bronze plan, monthly price after the credit
Right answer: $0.00 (Blue Cross® Local HMO Bronze Saver HSA)
Cheapest Silver plan, monthly price after the credit
Right answer: $115.72 (Streamlined Silver)
That Silver plan's deductible
Right answer: $850.00 or $1,700.00
The named plan, monthly price after the credit
Right answer: $722.99
Single parent and child
State: IN. County: Marion County. ZIP: 46226. Yearly income: $62,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 33 | Female | No |
| Child | 8 | Male | No |
Named plan: Elite Gold + Vision + Adult Dental, Ambetter Health, plan ID 35065IN0050006
Monthly tax credit (APTC)
Right answer: $319.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: No
Cheapest Bronze plan, monthly price after the credit
Right answer: $391.53 (Anthem Bronze Essential 11700 HSA ($0 Select Drugs + Incentives))
Cheapest Silver plan, monthly price after the credit
Right answer: $482.69 (Anthem Silver Essential 7000 ($0 Select Drugs + Incentives))
That Silver plan's deductible
Right answer: $7,000.00 or $14,000.00
The named plan, monthly price after the credit
Right answer: $867.30
Single, 45
State: MO. County: Saint Louis City. ZIP: 63116. Yearly income: $30,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 45 | Male | No |
Named plan: Anthem Gold Pathway X 2500 Standard ($0 Select Drugs + Incentives), Anthem Blue Cross and Blue Shield, plan ID 32753MO0980021
Monthly tax credit (APTC)
Right answer: $513.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: Yes
Cheapest Bronze plan, monthly price after the credit
Right answer: $0.00 (Signature Expanded Bronze)
Cheapest Silver plan, monthly price after the credit
Right answer: $153.87 (Signature Silver)
That Silver plan's deductible
Right answer: $800.00
The named plan, monthly price after the credit
Right answer: $170.63
Young couple, 26 and 27
State: FL. County: Orange County. ZIP: 32822. Yearly income: $33,000.00.
| Relationship | Age | Gender | Tobacco |
|---|---|---|---|
| Self | 26 | Male | No |
| Spouse | 27 | Female | No |
Named plan: UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin), UnitedHealthcare, plan ID 68398FL0030057
Monthly tax credit (APTC)
Right answer: $1,043.00
HealthSherpa may show $1 less; both count
Does HealthSherpa show extra savings on Silver (CSR)?
Right answer: Yes
Cheapest Bronze plan, monthly price after the credit
Right answer: $0.00 (Bronze Simple Breathe Easy with Enhanced COPD Benefits | with AdventHealth)
Cheapest Silver plan, monthly price after the credit
Right answer: $105.75 (Thrive Silver)
That Silver plan's deductible
Right answer: $800.00 or $1,600.00
The named plan, monthly price after the credit
Right answer: $858.30