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.
How the result changes with Benchmark Silver Premium
| Benchmark Silver Premium | Monthly Premium Tax Credit | Your Monthly Premium |
|---|---|---|
| $480.00 | $396.67 | $83.33 |
| $1,180.00 | $1,096.67 | $83.33 |
| $2,020.00 | $1,936.67 | $83.33 |
| $2,720.00 | $2,636.67 | $83.33 |
What each input means
- Annual Household Income
- Modified Adjusted Gross Income for your entire household. Subsidy calculations use 2026 Federal Poverty Level guidelines.
- Household Size
- Number of people in your tax household (you, spouse, and dependents).
- Benchmark Silver Premium
- Monthly premium of the second-lowest-cost Silver plan in your area. Check healthcare.gov.
- Age of Oldest Person
- Age of the oldest person in the household applying for coverage.
What each result means
- Subsidy Eligible
- You must earn at least 100% of the 2026 Federal Poverty Level ($15,960 for 1 person) to qualify for subsidies.
- Age Rating Factor
- ACA age-band multiplier (1.0 at age 21, up to 3.0 at age 64).
- Unsubsidized Premium
- Estimated monthly premium before any tax credit is applied.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersAnnual Household Income = 50000, Household Size = 3, Benchmark Silver Premium = 600, Age of Oldest Person = 40 = 4 input(s) provided
- Calculate Monthly Premium Tax Credit516.67 = $516.67
- Calculate Your Monthly PremiumYour Monthly Premium83.33 = $83.33
- Calculate Annual Tax CreditAnnual Tax Credit6200 = $6,200
- Calculate % of Federal Poverty Level% of Federal Poverty Level183 = 183%
Figures and sources
- 2026 Federal Poverty Level (2026) — HHS/ASPE 2026 Poverty Guidelines (Jan 15, 2026)
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