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ACA Health Insurance Calculators — 2026

Estimate your marketplace subsidy, check employer plan affordability, and understand how 2026 ACA rules differ from prior years.

⚠️ Important for 2026: Enhanced ACA subsidies expired December 31, 2025. The 400% FPL income cap has been reinstated and premium costs have increased significantly.

2026 ACA calculators

Most popular
2026 ACA Subsidy Calculator
Estimate your 2026 marketplace premium tax credit and required monthly contribution based on your income and household size. Uses the reinstated 400% FPL cap and current contribution rates (2.1%–9.96%).
Calculate my 2026 subsidy →
Employer coverage
Employer Plan Affordability Calculator
Find out if your employer's health plan passes the ACA affordability test (2026 threshold: 9.83% of income). If not, you may qualify for marketplace subsidies even with employer coverage.
Check employer plan affordability →

What changed for ACA subsidies in 2026?

400% FPL cap reinstated
If your income exceeds 400% FPL you are no longer eligible for any premium tax credits.
Higher contributions required
Required contributions are now 2.1%–9.96% of income, up from 0%–8.5% in 2021–2025.
No more $0 premiums
Even households at 100–150% FPL now pay 2.1%–4.19% of income toward premiums.
Some states have relief
CA, CO, CT, MD, MA, NM, and WA offer state-level subsidies to partially offset the increase.

Historical reference — 2022–2025 enhanced subsidies

From 2021 through 2025, the American Rescue Plan Act and Inflation Reduction Act provided enhanced premium tax credits — including $0 premiums for low-income households and no income cap. These are now expired. Use the calculator below if you need to look up what your costs would have been under the old rules.

2022–2025 ACA Subsidy Calculator
Historical reference — enhanced rates that expired December 31, 2025
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More resources

2026 Federal Poverty Level Calculator → Medicaid eligibility by state → SNAP benefit estimator → Apply at Healthcare.gov → All assistance programs →

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