Estimate Your 2026 Premium
Enter your details below. Results update instantly.
How ACA Subsidies Work
Your income is compared to the FPL
The federal poverty level for your household size determines how much subsidy you qualify for.
A "required contribution" is calculated
The ACA caps what you must pay as a percent of income — for 2026 that runs from 2.1% up to 9.96%, and stops applying above 400% of the federal poverty level. That cap is your monthly bill.
The government pays the rest
The difference between the benchmark Silver plan cost and your cap is paid directly to the insurer as a tax credit.
Common Income Examples (Single Adult, Age 40)
Based on a national average benchmark Silver plan for age 40, using the 2026 applicable percentage table. Above 400% of the federal poverty level there is no premium tax credit at all. Actual premiums vary by state and county.
Get Your Real Number in 60 Seconds
Add your ZIP above and the calculator uses your county’s real benchmark. Your actual premium depends on your ZIP code, exact plan, and carrier - which varies county by county. Fill out the form to get an accurate quote from a licensed advisor at no cost.
Check My Eligibility →Or call directly: (713) 575-9904
Important Notes
- Enter a ZIP code and the estimate uses the second-lowest-cost Silver plan filed in that county for 2026 — the benchmark the credit is actually calculated from. Without a ZIP it falls back to a national average. Your own premium still depends on the plan you choose.
- Medicaid eligibility (for incomes below ~138% FPL in expansion states) is not calculated here - if your income is very low, you may qualify for free Medicaid coverage.
- Figures reflect the 2026 rules, under which the enhanced ACA subsidies have expired and the credit stops at 400% of the federal poverty level. Verify your own figures at enrollment.
- This is a general informational tool, not insurance advice, and does not guarantee any specific premium, subsidy, or plan availability.