2026 ACA Subsidy Calculator: Am I Overpaying?
Estimate your 2026 Marketplace premium tax credit (subsidy) in seconds — using the official IRS 2026 applicable-percentage table and the 2025 federal poverty guidelines. Free, no sign-up, nothing stored.
Don't know it? Leave blank — we'll still show your expected contribution. You can look up your benchmark on HealthCare.gov.
How this calculator works
Your premium tax credit is built on one idea: the government caps what you're expected to pay for a benchmark Silver plan at a set percentage of your income. Anything above that cap is covered by your subsidy.
- We compare your income to the 2025 federal poverty level (FPL) for your household size — those are the figures used for 2026 coverage.
- Your FPL percentage sets your expected contribution using the IRS 2026 applicable-percentage table below.
- Subsidy = benchmark Silver premium − your expected contribution (never below $0).
2026 applicable-percentage table (IRS Rev. Proc. 2025-25)
| Income (% of FPL) | Expected contribution |
|---|---|
| Under 133% | 2.10% |
| 133% – 150% | 3.14% → 4.19% |
| 150% – 200% | 4.19% → 6.60% |
| 200% – 250% | 6.60% → 8.44% |
| 250% – 300% | 8.44% → 9.96% |
| 300% – 400% | 9.96% |
| Over 400% | No subsidy — the "subsidy cliff" returned in 2026 |
The enhanced subsidies from the Inflation Reduction Act expired December 31, 2025. For 2026, the 400% FPL cliff is back and there is no premium tax credit above 400% FPL unless Congress acts.
Want the full picture?
This tool estimates one thing — your premium subsidy. For how deductibles, coinsurance, metal tiers, and out-of-pocket maximums fit together, read the plain-English explainers at TheInsurance.Guide.