ACA health insurance subsidy calculator

Your 2026 ACA subsidy equals the benchmark Silver plan premium minus the share of income you're expected to pay (about 2%–9.96%, based on your income relative to the federal poverty level). This calculator estimates your subsidy and net premium.

Estimated subsidy

$338.00/mo

Net premium after subsidy$287.00/mo

Benchmark Silver plan$625.00/mo

Your expected contribution$287.00/mo

Income vs. poverty level255.6%

National-average benchmark; your real subsidy depends on your county and plan. Check HealthCare.gov or your state exchange for exact figures.

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How this estimate is calculated

We compute your income as a percentage of the 2025 federal poverty level (region-aware for Alaska and Hawaii), apply the 2026 applicable-percentage schedule to get your expected contribution, and subtract it from an age-rated national benchmark Silver premium. For 2026 the enhanced subsidies have expired, so the 400%-of-poverty cliff applies. Real subsidies depend on your county and the specific plans offered.

See our full methodology for assumptions, limits and the 2026 data used.

Sources

Written by: Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
Reviewed: Figures checked against the cited sources
Last updated: June 13, 2026
Standards: Editorial policy

This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.