Terms of Use
Last Updated: December 17, 2025
Acceptance of Terms
By accessing and using the ACA Subsidy Calculator, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this tool.
Use of Calculator
This calculator is provided as a free educational tool to help estimate ACA premium tax credits. You may use this tool for personal, non-commercial purposes only.
Estimates Only
The results provided by this calculator are estimates based on federal poverty level guidelines and general ACA subsidy rules. Actual subsidy amounts may differ based on:
- Your specific county and local marketplace rates
- The benchmark Silver plan cost in your area
- Your household composition and circumstances
- Changes to federal guidelines or policies
This tool does not provide official subsidy determinations. Final eligibility and subsidy amounts are determined by the federal marketplace.
No Professional Advice
This calculator does not provide legal, financial, or insurance advice. The information provided is for general informational purposes only. You should consult with a licensed insurance agent or professional advisor for personalized guidance.
Accuracy and Updates
While we strive to keep our calculator accurate and up-to-date with current federal guidelines, we make no warranties about the completeness, reliability, or accuracy of the information provided. We update the calculator annually, but guidelines may change.
Limitation of Liability
We are not liable for any decisions made based on the estimates provided by this calculator. You use this tool at your own risk. We are not responsible for any errors, omissions, or inaccuracies in the calculations or results.
External Links
Our site may contain links to external websites. We are not responsible for the content, privacy policies, or practices of any third-party sites.
Modifications
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the calculator after changes constitutes acceptance of the modified terms.
Intellectual Property
The calculator, its design, and all content are protected by copyright and other intellectual property laws. You may not copy, reproduce, or distribute any part of this tool without permission.
Contact
If you have questions about these terms, please visit our About page.