ACA Subsidy Calculator 2026: Obamacare Tax Credit

Enter details

Log in or create a free account to save your inputs and results, so you don't have to enter them again next time.🔒 No spam, ever. We never sell or share your details, and you can delete your history or account at any time. Privacy policy

Fill in the details and click Calculate to see your results.

Formula at a glance

ACA Subsidy 2026 Calculator: Credit — benchmark premium − income × applicable % ÷ 12. Example: Couple, $50,000, benchmark $1,100 → Premium tax credit a month: $769 — How the ACA Subsidy 2026 Calculator works: Credit — benchmark premium − income × applicable % ÷ 12

📱 Also in our Android apps

This calculator is in each of these free apps. Sign in with the same account to keep your history in sync.

Financial CalculatorEMI, SIP, PPF, NPS, post office schemes and government-employee calculatorsGet it on Google Play
Govt Employee CalculatorSalary, DA, pension and income tax for government employeesGet it on Google Play

Rate this calculator

Was it useful? A quick star rating helps others — and you can leave a comment too.

Rate it: ★ ★ ★ ★ ★

📘 About the ACA Subsidy Calculator 2026

The premium tax credit lowers the cost of ACA marketplace health insurance. It is the benchmark (second-lowest-cost) silver plan premium minus the share of income you are expected to pay. The enhanced subsidies of 2021–2025 ended on 31 December 2025, so for 2026 coverage the credit only goes to households between 100% and 400% of the poverty level.

The expected contribution runs from 2.10% of income below 133% of the poverty level to 9.96% at 300–400%. Above 400% ($62,600 for one person, $128,600 for a family of four) there is no credit at all — the "subsidy cliff" — so lowering MAGI with 401(k) or HSA contributions can be worth a lot.

🧮 Formula

Credit

benchmark premium − income × applicable % ÷ 12

% of poverty level

MAGI ÷ 2025 poverty guideline

✏️ Worked examples

Couple, $50,000, benchmark $1,100

You enter
Household size	2
Expected 2026 household income (MAGI)	50,000 $
Where you live	48 contiguous states & DC
Benchmark silver plan premium a month	1,100 $
Premium of the plan you want (optional)	0 $

You get
Premium tax credit a month	$769
Income as % of poverty level	236% ($21,150 for 2)
Expected contribution	7.94% of income = $331 a month
You pay for the benchmark silver plan	$331 a month
Cost-sharing reductions	A silver plan comes with lower deductibles at this income

$769.

Single, $70,000 (over 400%)

You enter
Household size	1
Expected 2026 household income (MAGI)	70,000 $
Where you live	48 contiguous states & DC
Benchmark silver plan premium a month	550 $
Premium of the plan you want (optional)	0 $

You get
Premium tax credit a month	$0
Income as % of poverty level	447% ($15,650 for 1)
Expected contribution	Over 400% — no subsidy in 2026
You pay for the benchmark silver plan	$550 a month

$0.

🧭 How to use this calculator

What you enter

Household size
Expected 2026 household income (MAGI) ($)
Where you live
Benchmark silver plan premium a month ($)From HealthCare.gov for your ZIP code and ages. 0 = rough national estimate.
Premium of the plan you want (optional) ($)

What you get

Premium tax credit a month
Income as % of poverty level
Expected contribution
You pay for the benchmark silver plan
Cost-sharing reductions

❓ Frequently asked questions

Did the ACA subsidies expire for 2026?

Yes. The enhanced premium tax credits ended after 2025, so the 400% of poverty level income cap is back and people pay up to 9.96% of income for the benchmark plan.

What is 400% of the poverty level for 2026 coverage?

$62,600 for a single person, $84,600 for two, $106,600 for three and $128,600 for four in the 48 states (based on 2025 guidelines).

What income counts for ACA subsidies?

Modified adjusted gross income: AGI plus tax-exempt interest, non-taxable Social Security and excluded foreign income.

What if my income changes during the year?

Update your marketplace application. The credit is reconciled on Form 8962; above 400% you must repay all advance credits.

🩺 ACA Subsidy Calculator 2026 (Obamacare Premium Tax Credit)