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Obamacare Marketplace Subsidy Calculator By State (888) 360-4111
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Obamacare Subsidy Calculator

Get a quick estimate of your monthly Premium Tax Credit. Then a licensed bilingual agent will run the real numbers with you — free, in English or Spanish.

Estimate your subsidy

Four quick questions. No sign-up, no SSN needed for an estimate.

🔒 Free & instant · we don't store anything to show your estimate

This calculator uses the 2025 Federal Poverty Guidelines (which the IRS applies to 2026 coverage-year subsidies per Pub 974) and the 2026 applicable-percentage schedule (IRS Rev. Proc. 2025-25, after the Inflation Reduction Act enhanced subsidies expired December 31, 2025). It is an estimate, not an official determination. Your final number is computed by HealthCare.gov at application time.

How the Obamacare subsidy calculator works

The subsidy that lowers your monthly Marketplace premium is a federal Premium Tax Credit (PTC). The calculator above estimates it from four things: your household income as a percentage of the Federal Poverty Level (FPL), your household size, your age, and where you live. The lower your income relative to the FPL, the larger the credit.

This is an estimate, not your final price. Your real credit is tied to the second-lowest-cost Silver plan (the “benchmark”) in your county and the income you attest on your application. A licensed bilingual agent confirms the exact amount with you for free — the carrier pays the agent, not you.

What income qualifies for an ACA subsidy in 2026?

Eligibility is based on your estimated annual household income measured against the FPL, and it adjusts with household size. Most people who buy their own coverage and aren’t eligible for Medicaid, Medicare, or an affordable employer plan qualify for some credit. For the exact 2026 brackets, see our Obamacare income limits guide and the 2026 FPL subsidy chart.

The old 400% FPL subsidy cliff — where one extra dollar of income could wipe out your entire credit — has changed in recent years. Our cliff guide explains exactly where it stands for 2026 so you don’t get surprised at tax time.

How subsidies scale with income

Credits are largest at lower incomes and taper as income rises:

  • Near the lower end of the eligible range, a Silver plan can be very affordable — at the lowest incomes, after the credit and cost-sharing reductions, often only a small fraction of the full premium.
  • In the middle of the range, you typically receive a partial credit that covers a meaningful share of the premium.
  • Higher up, the credit tapers — which is why estimating income accurately matters. See who qualifies for Obamacare.

Self-employed? Your income can swing year to year — our self-employed ACA guide shows how to estimate it so your subsidy is right.

No Social Security Number? You may still qualify

Many lawfully present immigrants can get Marketplace coverage and subsidies — including in some situations without an SSN. See Obamacare without an SSN, and ask your bilingual agent, who handles these cases every day.

Frequently asked questions

How is my Obamacare subsidy calculated?
Your subsidy is a federal Premium Tax Credit based on your estimated annual household income as a percentage of the Federal Poverty Level, your household size, your age, and where you live. The lower your income relative to the poverty level, the larger the credit. The calculator estimates it instantly; the final amount is tied to the second-lowest-cost Silver plan in your county and the income you attest on your application.
What are the income limits for ACA subsidies in 2026?
There is no single dollar cutoff, because eligibility is measured against the Federal Poverty Level and adjusts by household size. Most people who buy their own coverage and are not eligible for Medicaid, Medicare, or affordable job-based coverage qualify for at least a partial credit. See our 2026 income-limits guide and FPL subsidy chart for the exact brackets for your household size.
Is there still a 400% income cliff in 2026?
The historical subsidy cliff at 400% of the Federal Poverty Level — where one extra dollar of income could erase your entire credit — has been changed by recent law, and the rules for 2026 are specific. Our 400% FPL cliff guide explains exactly where it stands so you do not get a surprise at tax time. A licensed agent can also help you estimate income to stay on the right side of any threshold.
Is the calculator estimate the price I will actually pay?
No — it is an estimate to set expectations. Your real monthly cost depends on the specific plans and benchmark premium in your county and your verified income. A licensed bilingual agent runs the exact plan-by-plan numbers with you for free; the carrier pays the agent, not you.
Can I get a subsidy if I am self-employed?
Yes. Self-employed people are a core group the Marketplace serves, and you can qualify for a Premium Tax Credit based on your estimated net self-employment income. Because that income can swing year to year, estimating it well matters — our self-employed ACA guide walks through how to do it so your subsidy is accurate.
Can immigrants or people without a Social Security Number get a subsidy?
Many lawfully present immigrants qualify for Marketplace coverage and subsidies, and there are paths even in some situations without a Social Security Number. The rules depend on your immigration status. Our guides on Obamacare without an SSN and for specific immigration statuses explain the details, and a bilingual agent handles these cases every day.

Get your real number — free, in English or Spanish

The calculator gives the estimate. A licensed bilingual agent runs the exact plans and price for your county at no cost to you.

Talk to a licensed agent →