Estimate Your 2026 Premium
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How ACA Subsidies Work
1
Your income is compared to the FPL
The federal poverty level for your household size determines how much subsidy you qualify for.
2
A "required contribution" is calculated
The ACA caps what you must pay as a percent of income — often 0–8.5%. That cap is your monthly bill.
3
The government pays the rest
The difference between the benchmark Silver plan cost and your cap is paid directly to the insurer as a tax credit.
Common Income Examples (Single Adult, Age 40)
Based on a national average benchmark Silver plan for age 40. Actual premiums vary by state and county.
Get Your Real Number in 60 Seconds
The calculator above uses national averages. Your actual premium depends on your ZIP code, exact plan, and carrier — which varies county by county. Fill out the form to get an accurate quote from a licensed advisor at no cost.
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Important Notes
- Results are estimates using national average benchmark Silver premiums. Your actual premium will differ by state, county, age, and plan chosen.
- Medicaid eligibility (for incomes below ~138% FPL in expansion states) is not calculated here — if your income is very low, you may qualify for free Medicaid coverage.
- Figures assume the enhanced ACA subsidies remain in effect for 2026. Congress has extended these, but consult a licensed broker for the latest.
- This is a general informational tool, not insurance advice, and does not guarantee any specific premium, subsidy, or plan availability.