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Monthly Subsidy
$241
Annual Subsidy
$2,888
Your Max Monthly Cost
$359
What is the ACA premium tax credit?
The ACA (Affordable Care Act) premium tax credit is a refundable tax credit that helps eligible individuals and families afford health insurance purchased through the Health Insurance Marketplace (healthcare.gov). The credit is based on your income relative to the Federal Poverty Level (FPL) and reduces your monthly insurance premium.
How is the ACA subsidy calculated?
The subsidy is calculated based on the difference between the cost of the second-lowest-cost Silver plan (benchmark plan) in your area and your expected contribution. Your expected contribution is a percentage of your household income that increases as your income rises. The government pays the difference directly to your insurer.
What is 400% of the Federal Poverty Level?
For the 2026 plan year, 400% FPL is approximately $62,600 for a single person, $84,640 for a family of 2, $106,680 for a family of 3, and $128,720 for a family of 4. The enhanced ACA subsidies (which removed this limit and capped premiums at 8.5% of income) expired on 31 December 2025. For 2026 the 400% FPL cliff is back: if your income is above 400% FPL, you no longer qualify for any premium tax credit and pay the full premium yourself.
Am I eligible for Medicaid instead?
In states that expanded Medicaid, you may qualify if your income is at or below 138% of FPL (about $21,597 for a single person in 2026). If you qualify for Medicaid, you are not eligible for Marketplace subsidies. Check your state's Medicaid expansion status, as some states have not expanded coverage.
Note: This calculator provides estimates based on the 2026 §36B applicable-percentage schedule (Rev. Proc. 2025-25), including the 400% FPL cliff that returned after the enhanced subsidies expired on 31 December 2025. Actual subsidy amounts depend on your local benchmark plan costs. Visit healthcare.gov for exact figures.
Disclaimer: This calculator provides estimates based on current IRS rates and thresholds for the 2026 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your filing status, state of residence, deductions, and individual circumstances. Always consult a qualified tax professional or CPA before making financial decisions. Read our terms
This calculator uses official rates and thresholds from:
Last verified: March 2026 · Tax year 2025. Results are indicative — consult a qualified accountant for personalised advice.