Free tool
What could you actually pay?
Estimate the premium tax credit you may qualify for on a Marketplace plan. No signup, no email required — just an estimate you can sanity-check before you shop.
Illustrative estimate only — not a quote, application, or guarantee. Real eligibility depends on verified income, household, location, and the current year’s rules.
Your rough picture
Good chance of real savings.
Households in this range often qualify for help with premiums and may get extra cost-sharing savings on a Silver plan.
How this estimate works
Premium tax credits work by capping what you pay for a benchmark plan at a share of your income. The government covers the difference between that cap and the plan's actual price, and you can apply the credit to any metal tier — not just the benchmark.
Two things drive your result: your projected household income measured against the federal poverty level for your household size, and the cost of coverage where you live. That second factor is why a calculator can only estimate — the benchmark plan differs by county and by age, so the same income produces different credits in different places.
For 2026, the enhanced credits that ran through 2025 have expired, and the limit at 400% of the federal poverty level applies again. If you received a credit in recent years, your 2026 result may look quite different.
What this calculator can't tell you
It can't confirm eligibility, and it can't price the specific plans available at your address. It also can't tell you whether your doctors and prescriptions are covered — which is usually the thing that decides which plan is genuinely right, not the premium.
Want the real number?
A licensed agent can check actual plans and prices at your address, and confirm your doctors are in network. Free, no obligation.
Common questions
How is an ACA subsidy calculated?
Premium tax credits are based on your projected household income measured against the federal poverty level for your household size, and on the cost of a benchmark plan in your area. Because the benchmark plan varies by county and age, two households with identical incomes in different places can receive different amounts.
What income should I enter?
Your projected modified adjusted gross income for the coverage year — not last year's. That includes wages, net self-employment income, unemployment compensation, taxable retirement distributions, and investment income.
Is this estimate a guarantee of savings?
No. This is an educational estimate only. Actual eligibility and amounts are determined when you apply through the Marketplace, based on the information you submit and the plans available where you live.
Why did my estimate change for 2026?
The enhanced premium tax credits that applied from 2021 through 2025 expired at the end of 2025. For 2026 the original rules apply again, including the limit at 400% of the federal poverty level, so many households see smaller credits than in prior years.