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ACA Subsidy Calculator — Household of 1
Estimate the 2026 credit for one person. Example: $363/month on $40,000.
ACA Subsidy Calculator — Household of 1
Estimated premium tax credit$4,356 a year at 256% of the poverty line
Your expected contribution
8.61% of income = $287/month
Poverty line (2025 guidelines)
$15,650
400% cliff for your household
$62,600
Coverage year 2026, after the enhanced credits expired on 31 Dec 2025: applicable percentages from IRS Rev. Proc. 2025-25 (2.10% to 9.96% of income), 400% FPL cliff. Confirm figures at HealthCare.gov — your benchmark (second-lowest-cost silver) premium depends on ages and ZIP code.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.