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🧮 2026 ACA Subsidy Estimator
Enter your household details to estimate your monthly premium tax credit. Results are estimates only — actual subsidy calculated at enrollment.
How the ACA Subsidy Calculator Works
Your premium tax credit is based on the difference between a benchmark plan's premium (usually the second-lowest-cost Silver plan in your area) and your expected contribution, which is calculated as a percentage of your household income.
2026 Federal Poverty Level Thresholds
- Individual: $15,650/year
- Family of 2: $21,150/year
- Family of 3: $26,650/year
- Family of 4: $32,150/year
Income Ranges & Estimated Subsidies
- 100%–150% FPL: Maximum subsidy — may qualify for $0 premium Silver plan
- 150%–250% FPL: High subsidy + Cost-Sharing Reductions on Silver plans
- 250%–400% FPL: Significant subsidy, reducing premium by 30–60%
- 400%+ FPL: Subsidy caps at 8.5% of household income for benchmark plan
Special Rule: No Upper Income Cliff Through 2025
The American Rescue Plan removed the “subsidy cliff” at 400% FPL. This extension has been renewed and means households earning above 400% FPL may still receive subsidies if the benchmark plan costs more than 8.5% of their income.
See also: ACA Income Limits 2026 • Full ACA Guide