ACA Subsidy Calculator
Estimate your ACA Marketplace premium tax credit from income, household size, and the benchmark plan premium.
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About the ACA Subsidy Calculator
Estimates your ACA Health Insurance Marketplace premium tax credit (subsidy) from your household income, household size, and the benchmark Silver plan's premium in your area, using the IRS's actual applicable-percentage table.
- Enter your household size and household annual income (MAGI).
- Enter the benchmark plan monthly premium — the 2nd-lowest-cost Silver plan in your area.
- Read your estimated monthly premium tax credit, net premium, and expected contribution.
A household of 2 earning $60,000/year (about 284% of the Federal Poverty Level) with a $950/month benchmark Silver plan has an expected contribution around 9.46% of income — about $473/month — with the remaining roughly $477/month covered by the premium tax credit.
| Income (% of Federal Poverty Level) | Applicable % of income |
|---|---|
| Up to 133% | 2.10% |
| 133% - 150% | 3.14% - 4.19% |
| 150% - 200% | 4.19% - 6.60% |
| 200% - 250% | 6.60% - 8.44% |
| 250% - 300% | 8.44% - 9.96% |
| 300% - 400% | 9.96% |
| Above 400% | No subsidy (hard cliff) |
Uses the 2026 IRS applicable-percentage table (Rev. Proc. 2025-25) and the 2025-published HHS federal poverty guidelines — the guidelines that actually govern 2026 coverage-year eligibility. Above 400% FPL there's currently no subsidy at all — the enhanced subsidies from 2021-2025 expired at the end of 2025 and were not extended. This is a rough planning estimate, not an eligibility determination.
- • Your subsidy is based on the 2nd-lowest-cost Silver ('benchmark') plan in your area, not the plan you actually choose.
- • Because the credit is based on projected income, a raise or bonus during the year can mean owing some of it back at tax time.
- • Right at 400% FPL, small income changes matter enormously — crossing just above the cliff loses the entire credit.
- IRS — Rev. Proc. 2025-25 (2026 applicable percentage table) — accessed 2026-08-31
- HealthCare.gov — how premium tax credits work — accessed 2026-08-31
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.