A free, open-source calculator that estimates your 2026 ACA premium tax credit (Marketplace subsidy) using official figures — the 2025 federal poverty guidelines (used for 2026 coverage) and the IRS 2026 applicable-percentage table from Rev. Proc. 2025-25.
Live tool: https://spotclips.github.io/aca-subsidy-calculator/
Built and maintained by TheInsurance.Guide — plain-English answers on US health insurance.
- Compares your estimated 2026 household income to the 2025 FPL for your household size and state region (48 contiguous states & DC, Alaska, or Hawaii).
- Applies the 2026 expected-contribution percentage (2.10% → 9.96%) to show what you're expected to pay toward a benchmark Silver plan.
- Optionally takes your area's benchmark (second-lowest-cost Silver) premium to estimate your monthly subsidy.
- Flags the two edges of the 2026 rules: below 100% FPL (Medicaid territory) and the 400% FPL "subsidy cliff" that returned in 2026 after the enhanced credits expired.
- HHS 2025 Poverty Guidelines (48 states base $15,650 + $5,500/person; Alaska $19,550 + $6,880; Hawaii $17,990 + $6,320)
- IRS Rev. Proc. 2025-25 — 2026 applicable-percentage table
- 26 U.S.C. §36B (Premium Tax Credit)
This is an educational estimate, not tax/legal/insurance advice and not an official eligibility determination. Always verify and enroll on HealthCare.gov or your state Marketplace.
Single static index.html — no build step, no dependencies, no tracking. Hosted on GitHub Pages.
To embed it on your own site, drop it in an <iframe> (a dedicated embeddable widget version is on the roadmap).
MIT — see LICENSE. Free to use, fork, and embed with attribution.