2026 · Free and confidential
ACA Subsidy Calculator 2026 — See If You Qualify for a $0 Premium
Most ACA applicants qualify for premium tax credits. Enter your ZIP, household size, and income below — we'll estimate your monthly savings in seconds. No email required.
Your details
Estimate only. Final subsidy is determined by the Marketplace based on the plan you select and verified household income. A licensed advisor can give you the exact number.
How it works
The 2026 ACA subsidy rules, briefly.
- Premium tax credit is based on your household income vs. the Federal Poverty Level (FPL) for your household size.
- Below 150% FPL — you typically qualify for a benchmark Silver plan at $0/mo premium.
- 150–400% FPL — your subsidy is scaled so your benchmark plan costs no more than 0–8.5% of household income.
- Above 400% FPL — enhanced subsidies under the Inflation Reduction Act still cap your premium at 8.5% of income through 2026.
- Cost-sharing reductions (CSR) — below 250% FPL, Silver plans also get reduced deductibles and copays.
Next step
Want the exact number?
Our licensed advisors run your household through Healthcare.gov + every Marketplace carrier in your ZIP — so you see the actual subsidy and plan options, not an estimate.