Premium tax credit check
Find out what you’d actually pay in 2027
The premium you see on a plan is rarely the premium you pay. Your premium tax credit depends on household size, ZIP code and expected 2027 income. Enter them on HealthSherpa to see estimated prices yourself — or send them to Roman and he’ll run the numbers with you, including the cases where an estimate goes wrong.
What to know first
Three things that change which plan is right for you.
Self-employed? That’s normal
If you don’t know next year’s income exactly, Roman estimates it with you from last year and your current situation.
Silver can unlock extra savings
At some incomes, Silver plans come with cost-sharing reductions that lower your deductible — not just your premium.
Estimate, then confirm
Online estimates are a starting point. Your final credit is set when you apply, and Roman checks it before you enroll.
Two ways to get it done
Pick the one that suits you. You can start on your own and ask Roman anytime.
On your own
- Enter ZIP, household and income
- See every plan in your county with estimated prices
- Enroll online when you’re ready — Roman stays your agent
With Roman
- He checks your tax credit and income estimate
- Checks your doctors, hospital and prescriptions
- Brings back 2–3 plans with the full-year cost and enrolls you
How it works with Roman
You send the basics
Name, phone and ZIP. Add doctors or prescriptions if you like.
Roman compares
Tax credit, networks, drug lists and the full-year cost across carriers.
You choose and enroll
A 20–40 minute call or text exchange. He handles the application.
Carriers Roman compares
Tap a carrier to see its plans or ask Roman how it compares.
Get free help from Roman
Three fields. Roman replies the same business day — by text unless you pick another way. Your number stays with him.
Roman Shopin
Independent licensed agent · English and Russian
Who you’ll be working with
Licensed in Texas
General Lines Agent (Life, Accident, Health & HMO). License #3473507, NPN 22166747.
Same price as HealthCare.gov
Plan prices are set by the carriers. Using an agent never adds a fee — the carrier pays Roman.
A real office in Austin
2009 North RR 620, Bldg 1, Suite 122, Austin, TX 78734. Affiliated with Futurity First Insurance Group.
Your data stays with Roman
No call centers and no lead reselling. Your number is used only to help you with coverage.
Help after you enroll
Income changes, a new baby, a claim question — you text the same person all year.
Questions people ask
Will I qualify for a tax credit?
It depends on household income compared with the federal poverty level and on the cost of plans in your area. The quickest way to know is to enter your details — it takes about two minutes.
What if I guess my income wrong?
If you get more credit than you qualify for, you may repay some of it at tax time. That’s why it helps to estimate carefully and report changes during the year.
Do I need to give my Social Security number to see prices?
No. You can see estimated prices with just ZIP code, household and income. Personal details are only needed to enroll.
Not quite your situation?
Each page covers one situation and its deadlines.
- Shopping for a 2027 plan
- Want to know my price after the tax credit
- Already have a plan and got a renewal notice
- Choosing between Bronze, Silver and Gold
- Covering my whole family
- Lost job-based coverage
- Deciding between COBRA and a Marketplace plan
- Just moved to Texas
- Had a baby or adopted
- Got married or divorced
- Self-employed or 1099
- Retired early, under 65
- Turning 26 or need my own plan
- Planning a baby or pregnant
Attention: This website is operated by GetCover Pro (Roman Shopin, licensed agent) and is not the Health Insurance Marketplace® website. In offering this website, GetCover Pro is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.