ACA Subsidy Calculator
Estimate your Affordable Care Act premium tax credit based on household income and family size. Uses 2026 Federal Poverty Level guidelines and enhanced subsidy rates.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
Inputs
Results
Monthly Premium Tax Credit
$516.67
≈ 9 tanks of gas
Your Monthly Premium
$83.33
≈ 6 movie tickets
Figures current as of 2026. Source: HHS/ASPE 2026 Poverty Guidelines (Jan 15, 2026)
How to Use This Calculator
- Enter your household's Modified Adjusted Gross Income (MAGI) in 'Annual Household Income'.
- Set 'Household Size' to the number of people in your tax household, including dependents.
- Look up the second-lowest-cost Silver plan premium on healthcare.gov for your area and enter it.
- Enter the age of the oldest household member applying for coverage.
- Review the Monthly Premium Tax Credit and Your Monthly Premium to estimate net cost.
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