Free calculator
ACA Subsidy Calculator (2025)
The ACA premium tax credit caps what you pay for the benchmark (second-lowest-cost Silver) plan at a percentage of your income. This tool estimates that cap and the resulting subsidy. It is an estimate — your actual credit is determined at enrollment using your local benchmark premium.
Your estimate
$263
Estimated monthly subsidy
Your estimated premium tax credit is about $263/mo, leaving roughly $287/mo for the benchmark plan.
- Income as % of Federal Poverty LevelFPL for a household of 2: $20,440
- 293.5%
- Expected contribution rate
- 5.7%
- Your max monthly cost for benchmarkWhat you are expected to pay toward the benchmark plan.
- $287
- Estimated monthly subsidy
- $263
- Estimated net benchmark premium
- $287
- Estimated annual subsidy
- $3,155
An estimate, not a quote. A licensed advisor can price real plans for your household.
Get matchedThis is an educational estimate, not a quote or medical or financial advice. Actual costs depend on your specific plan, state, age, and health. Figures use published federal tables and typical market ranges as of 2026-01-15.
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Questions
Frequently asked questions
How is the ACA subsidy calculated?
It caps your cost for the benchmark Silver plan at a percentage of your income, on a sliding scale. The credit is the difference between the benchmark premium and that capped amount.
What income counts for ACA subsidies?
Modified adjusted gross income (MAGI) for your tax household. Estimating it as accurately as possible avoids owing money back at tax time.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- HHS / ASPE — federal poverty guidelines · reviewed 2026-01-15
- Internal Revenue Service (IRS) — HSA and premium tax credit rules · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15