ACA Subsidy Calculator 2026: Obamacare Premium Tax Credit

Estimate your 2026 ACA marketplace subsidy (premium tax credit) from household income and size, with the 400% poverty line cliff and what you pay per month.

Your subsidy per month

β€”Subsidy per year
β€”Income as % of the poverty line
β€”Share of income you pay
β€”You pay for the benchmark plan
β€”You pay for your plan

For 2026 coverage, with the 2025 poverty guidelines and the IRS table for 2026. Find your benchmark (second-lowest-cost silver plan) on HealthCare.gov or your state marketplace. The final credit is settled on Form 8962.

What it does

The premium tax credit lowers the cost of a health plan bought on the ACA marketplace. You are expected to pay a share of your income that grows from 2.10% to 9.96% as income rises; the subsidy pays the rest of the benchmark silver plan. In 2026 the extra subsidies of 2021 to 2025 ended, so there is no subsidy above 400% of the poverty line.

How to use it

  1. Type how many people are in your tax household, where you live and the household income for 2026.
  2. Type the monthly premium of the benchmark silver plan shown on the marketplace, and the plan you want if different.
  3. See your subsidy, what you pay each month and how far you are from the 400% limit.

The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.

Frequently asked questions

How much is the ACA subsidy for 2026?
Single with 40,000: 255% of the poverty line, so you pay 8.59% of income, 286 a month for the benchmark plan. If it costs 600, the subsidy is 314 a month (3,768 a year).

What is the ACA subsidy cliff in 2026?
The extra subsidies ended in 2025, so above 400% of the poverty line there is no subsidy. A family of 4 with 128,000 (398%) gets 738 a month with a 1,800 benchmark; with 130,000 (404%) it gets nothing.

What income counts for the ACA subsidy?
The modified adjusted gross income (MAGI) of everyone in your tax household for the year of coverage. The poverty line for 2026 coverage is 15,650 for one person plus 5,500 for each extra person.

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