ACA Marketplace Subsidy Calculator
2026Estimate your Affordable Care Act premium tax credit based on income, household size, and plan level.
By Konstantin Iakovlev · Updated April 2026 · Source: HealthCare.gov
Income as % FPL
251%
Monthly Subsidy
$218.03
Annual Subsidy
$2,616.38
Subsidy Details
| Income as % of FPL | 251% |
| Expected Contribution Rate | 8.5% |
| Monthly Expected Contribution | $281.97 |
| Benchmark Silver Premium | $500.00 |
| Monthly Subsidy (Tax Credit) | $218.03 |
| Annual Subsidy | $2,616.38 |
Plan Comparison (Monthly After Subsidy)
| Bronze Plan | $141.97 / mo |
| Silver Plan | $281.97 / mo |
| Gold Plan | $401.97 / mo |
| Platinum Plan | $506.97 / mo |
Use the ACA Marketplace Subsidy Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
The premium tax credit can take a real bite out of what you pay each month for marketplace coverage, and this tool estimates your 2026 credit so you can see how far it stretches. With the enhanced subsidies that the Inflation Reduction Act extended through 2025, the support available has put quality plans within reach for many more households.
Your Premium Tax Credit is set by comparing the benchmark Silver plan in your area, defined as the second-lowest cost Silver plan, against a share of your household income. For 2026, that share is capped at 8.5% of household income for the benchmark plan, and under the enhanced structure lower-income enrollees can owe as little as 0%.
Figures here are estimates, and your real subsidy can shift with verified income, the particular Silver plan you select, and changes in household size over the course of the year. Reporting income changes to the Marketplace as they happen keeps your credit accurate and helps you avoid surprises when you file.
Example: A Family's 2026 Subsidy Estimation
- 1 A family of four (two adults, two children) in Anytown, USA, with an estimated 2026 Modified Adjusted Gross Income (MAGI) of $85,000. The benchmark Silver plan in their area costs $1,800 per month for their household.
- 2 Expected contribution for benchmark plan: $85,000 (MAGI) * 7.5% (income percentage for this income bracket in 2026) = $6,375 annually, or $531.25 per month.
- 3 Monthly benchmark plan cost: $1,800. Monthly expected contribution: $531.25.
- 4 Estimated monthly Premium Tax Credit: $1,800 - $531.25 = $1,268.75. This means the family would pay only $531.25 per month for the benchmark Silver plan before considering any additional cost-sharing reductions.
Source: HealthCare.gov · Last updated: April 2026
Frequently Asked Questions
How is the ACA premium tax credit calculated?
What income qualifies for ACA subsidies in 2026?
Do I have to repay ACA subsidies if my income increases?
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