ACA Subsidy Calculator (2026)
Estimate your premium tax credit based on your household income and size. Enter your projected annual income and the benchmark Silver plan premium in your area.
Use your total household income before taxes
Find this at healthcare.gov— it's the second-lowest-cost Silver plan in your ZIP code
Frequently Asked Questions
How do I calculate my ACA subsidy?
Enter your projected annual household income, household size, and the benchmark Silver plan premium in your area. The calculator estimates your premium tax credit based on 2026 federal guidelines.
What income counts for ACA subsidies?
Use your Modified Adjusted Gross Income (MAGI) — this includes wages, self-employment income, Social Security, unemployment benefits, and most other income before deductions.
Can I get a subsidy if I make over 400% FPL?
Yes. Under enhanced ACA rules through 2026, subsidies are available above 400% FPL if your benchmark Silver plan premium exceeds 8.5% of your income.
What is the benchmark Silver plan?
The benchmark Silver plan is the second-lowest-cost Silver plan available in your ZIP code. Your subsidy is calculated based on this plan's premium, even if you choose a different plan.
When can I apply for ACA subsidies?
You can apply during Open Enrollment (November 1 – January 15) or during a Special Enrollment Period triggered by a qualifying life event like job loss, marriage, or having a baby.