Open Enrollment Utility
Obamacare Subsidy Calculator
Estimate your 2026 Advanced Premium Tax Credit (APTC) and find out how much a Silver plan will cost you.
Household Details
$
Modified Adjusted Gross Income for the entire tax household.
Benchmark Plan
$
Cost of the Second Lowest Cost Silver Plan in your specific zip code. A standard $450 average is used by default.
Estimated Monthly Subsidy
$0
Tax credit paid directly to your insurer
Federal Poverty Level (FPL) Based on 2026 ASPE Guidelines
$0
0% FPL
Expected Contribution Maximum % of income you must pay
0.00%
Max Monthly Premium (MAGI × Expected %) ÷ 12
$0
Your Benchmark Cost
What you actually pay per month for the SLCSP
$0
2026 Policy Note: This calculator utilizes the 2026 Federal Poverty Guidelines ($15,960 base + $5,680 per person) and the extended enhanced premium tax credit tiers which cap healthcare costs at 8.5% of income, regardless of the 400% FPL cliff. If your FPL is below 138% (or 100% in non-expansion states), you are typically directed to Medicaid rather than the ACA marketplace. Actual subsidies require official IRS Form 8962 reconciliation.