About ACA Subsidy Calculator
Our Mission
We created this free ACA Subsidy Calculator to help individuals and families quickly estimate their potential health insurance tax credits. Understanding your eligibility for premium subsidies is crucial when shopping for ACA marketplace plans, and we believe this information should be accessible to everyone.
How It Works
Our calculator uses the official federal poverty level guidelines and IRS premium tax credit methodology to provide accurate estimates. Simply enter your household information, and our tool instantly calculates your estimated monthly subsidy based on the 2026 guidelines.
Why We Built This
Navigating health insurance can be confusing and overwhelming. Many people don't realize they qualify for significant subsidies that can make health coverage affordable. We built this tool to:
- Provide instant, accurate subsidy estimates
- Help families understand their ACA eligibility
- Make health insurance more accessible and transparent
- Empower informed decision-making during open enrollment
Our Commitment to Accuracy
We update our calculator annually to reflect the latest federal poverty level guidelines, IRS rules, and ACA policy changes. All calculations follow official government methodology to ensure you receive reliable estimates.
Privacy & Security
Your privacy matters to us. All calculations are performed locally in your browser—we never collect, store, or transmit your personal information. Learn more in our Privacy Policy.
Disclaimer
This calculator provides estimates only. Final subsidy amounts are determined by the federal marketplace and may vary based on your specific circumstances, county, and plan selection. Always consult with a licensed insurance agent or the official marketplace for binding quotes.