ACA Subsidy Calculator (2025)
The ACA premium tax credit caps what you pay for the benchmark (second-lowest-cost Silver) plan at a percentage of your income. This tool estimates that cap and the resulting subsidy. It is an estimate — your actual credit is determined at enrollment using your local benchmark premium.
Your details
Your estimate
Your estimated premium tax credit is about $263/mo, leaving roughly $287/mo for the benchmark plan.
- Income as % of Federal Poverty LevelFPL for a household of 2: $20,440
- 293.5%
- Expected contribution rate
- 5.7%
- Your max monthly cost for benchmarkWhat you are expected to pay toward the benchmark plan.
- $287
- Estimated monthly subsidy
- $263
- Estimated net benchmark premium
- $287
- Estimated annual subsidy
- $3,155
This is an educational estimate, not a quote or medical or financial advice. Actual costs depend on your specific plan, state, age, and health. Figures use published federal tables and typical market ranges as of 2026-01-15.
Frequently asked questions
- How is the ACA subsidy calculated?
- It caps your cost for the benchmark Silver plan at a percentage of your income, on a sliding scale. The credit is the difference between the benchmark premium and that capped amount.
- What income counts for ACA subsidies?
- Modified adjusted gross income (MAGI) for your tax household. Estimating it as accurately as possible avoids owing money back at tax time.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- HHS / ASPE — federal poverty guidelines · reviewed 2026-01-15
- Internal Revenue Service (IRS) — HSA and premium tax credit rules · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
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