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ACA Subsidy Calculator — Household of 4
Estimate the 2026 credit for 4 people. Example: $1,132/month on $90,000.
ACA Subsidy Calculator — Household of 4
Estimated premium tax credit$13,585 a year at 280% of the poverty line
Your expected contribution
9.35% of income = $701/month
Poverty line (2025 guidelines)
$32,150
400% cliff for your household
$128,600
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
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