ACA Subsidy Estimator
Rough 2026 estimate of marketplace premium tax credits by income and household size. Use before open enrollment to compare metal tiers with licensed agents in your market.
How this calculator works
- Uses simplified federal poverty level brackets for educational planning — not IRS tax filing logic.
- Subsidy amounts vary by ZIP rating area and plan selection on the ACA marketplace.
- Results do not constitute tax, legal, or enrollment advice.
Frequently asked questions
Is this an official Healthcare.gov subsidy calculation?
No. This is an educational estimator. Official premium tax credits are determined on HealthCare.gov or your state marketplace using current federal poverty level tables.
What inputs affect my ACA subsidy estimate?
Household size, modified adjusted gross income, ZIP code, and plan metal tier all influence subsidy eligibility and amount.