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All tools Checked August 26, 2026

Insurance calculator

2026 ACA Subsidy Calculator

How much help may this household receive to pay for Marketplace insurance?

Estimate help with Marketplace health-insurance premiums.

How to use it

Start with the numbers you know.

Estimates are okay. Nothing is submitted when you calculate.

What this calculator estimates

Estimate help with Marketplace health-insurance premiums.

Question-mark icons explain less-obvious terms. Hover, focus, or tap them for plain-English help.
Household
people
Income
Marketplace income is often called MAGI. It starts with AGI and adds some tax-free income.
$
Plan costs
$
$
Other insurance
Affordable job-based insurance can make a household ineligible for Marketplace help.

Start with the decision

How much help may this household receive to pay for Marketplace insurance?

Marketplace premium tax credits are based on tax household, household income, federal poverty level, benchmark plan cost, eligibility for other coverage, and the applicable-percentage table. This 2026 estimator uses the prior-year poverty guidelines designated for 2026 Marketplace savings and shows every sourced threshold it applies.

Before you act on the number

See what the result means—and what could change it.

01

How to read it

  • Marketplace MAGI is not simply taxable income; several income sources and household-member amounts may need to be included.
  • The credit is tied to the second-lowest-cost silver benchmark plan, not necessarily the plan actually selected.
  • Advance credits are reconciled on the federal return, so income changes should be reported during the year.
02

What could change the answer

  • A final eligibility determination or an application through the federal or state Marketplace
  • Employer-coverage affordability, Medicaid, CHIP, Medicare, immigration, or filing-status rules
  • Cost-sharing reductions, plan networks, deductibles, out-of-pocket maximums, or family-glitch details
  • Exact premium age curves and county-specific benchmark prices unless entered
03

What to take forward

Use the result to identify which assumption needs verification, then bring that question to the professional helping you make the decision.

Transparent method

How the estimate works

See how the estimate is calculated

Determine the applicable poverty guideline from household size and location, then divide projected Marketplace modified adjusted gross income by that guideline.

Use the 2026 applicable-percentage table to estimate the household’s expected contribution toward the benchmark premium.

Subtract the expected contribution from the entered benchmark premium, cap the result appropriately, and display the annual and monthly estimated credit.

Common questions

Frequently asked questions

What income is used for ACA subsidies?

Marketplace savings use household modified adjusted gross income, which starts with adjusted gross income and adds certain excluded foreign income, tax-exempt interest, and nontaxable Social Security amounts.

Which poverty guidelines apply to 2026 Marketplace coverage?

The Marketplace generally uses the poverty guidelines in effect at the start of open enrollment for the coverage year. This calculator identifies the HHS guideline set and effective date it uses.

Can a Roth conversion reduce an ACA subsidy?

A taxable Roth conversion generally increases adjusted gross income and can reduce the credit. The long-term tax benefit should be weighed against Marketplace premium, capital-gain, and other income-based effects.

Why can the final premium tax credit differ from the estimate?

Actual household income, family members, months of coverage, benchmark premiums, other coverage eligibility, and tax filing facts are reconciled after year-end and can differ from projections.

Sources

Rules and references behind this calculator

See every published value
2025 HHS poverty guidelines used for 2026 Marketplace savings$15,650 base · 48 states/DCEffective 2026-01-01 · checked 2026-08-26HHS 2025 Poverty Guidelines
Method referenceHealthCare.gov: savings on Marketplace premiumsPublic source used to define this calculator's method and limitsOpen source

Want the fine print? See sources, methods, and limits.

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