ACA Subsidy Calculator

Explore how ACA household MAGI, tax-family size, and Marketplace benchmark premiums affect a hypothetical Premium Tax Credit estimate.

Educational, hypothetical estimate only. This tool models the federal Premium Tax Credit income component—not CSR, Medicaid, CHIP, or every eligibility rule—and does not provide tax, legal, insurance, or financial advice.

Scenario

Household assumptions

Alaska and Hawaii use separate federal poverty schedules.
Tax dependents in the ACA tax family, not everyone living in the home.
ACA household MAGI input
$
Generally AGI plus tax-exempt interest, non-taxable Social Security, excluded foreign income, and required-to-file tax-family income.
Optional premium estimate

Simplified V1 assumption: 12 months of coverage with uniform annualized premiums. Actual PTC is determined monthly.

$
The Marketplace benchmark premium applicable to the coverage family—not a state estimate.
$
Optional; caps the modeled credit at the entered enrollment premium.

Results

Modeled PTC income calculation

Estimate updated
ACA household MAGI—Simple input
Federal Poverty Level—ACA tax-family size: ——
400% FPL income limit——
MAGI headroom———

ACA Expected Contribution

Form 8962 FPL percentage
—
Applicable percentage
—
Annual expected contribution
—
Monthly equivalent
—

The displayed FPL percentage retains analytical precision. Form 8962 truncates it to a whole percentage for the applicable-rate calculation; the exact dollar limit still controls the cliff.

Simplified Premium Estimate

Annual SLCSP benchmark
Not entered
Modeled PTC
Not calculated
Modeled PTC monthly
Not calculated
Enrollment premium after PTC
Not calculated

Assumes 12 months of coverage and uniform annualized premiums. Actual PTC is determined monthly and may differ.

Important context

    What this calculator models

    V1 models the federal PTC income calculation using official 2025 HHS poverty guidelines for 2026 coverage and official 2026 guidelines for 2027 coverage. It uses the applicable percentage published by the IRS for the selected year.

    It does not determine Medicaid or CHIP eligibility, cost-sharing reductions, employer-plan affordability, immigration-related exceptions, or final Marketplace eligibility. The SLCSP must be supplied by the user because it depends on the coverage family and rating area.

    Sources: IRS Premium Tax Credit guidance, IRS 2026 applicable percentages, and IRS 2027 applicable percentages.