Enter your income and household size to see whether you qualify for a 2026 premium tax credit, the most you'd be asked to pay toward a benchmark Silver plan, and whether you can get extra Silver savings.
We use this only to run the estimate — nothing is stored or sent anywhere.
If you buy your own health insurance through the Marketplace, a premium tax credit can lower what you pay each month. The government sets a cap on how much of your income you should have to spend on a benchmark plan; the credit covers the premium above that cap.
Two things changed for 2026 that this tool reflects. First, the temporary enhanced subsidies from 2021–2025 expired on January 1, 2026, so the older, less generous formula is back in effect. Second, the 400% of poverty "subsidy cliff" has returned — earning even one dollar over that line can mean losing the credit entirely. Congress has debated restoring the enhanced help, but nothing is law as of mid-2026, so plan around the rules as they stand today.
People earning up to 250% of the poverty level can also get Cost-Sharing Reductions (CSR) — but only on a Silver plan. CSR quietly raises a Silver plan's value (lower deductibles and copays), which is why a Silver plan often beats Gold for lower-income households.
Educational estimate only, based on 2025 federal poverty guidelines and the IRS 2026 applicable-percentage table. Confirm your real eligibility and price at HealthCare.gov or with a licensed agent. Read the full subsidy guide →