ACA Subsidy Estimator
Premium tax credit caps benchmark Silver plan at 0-8.5% of income (sliding scale).
Result
Estimated monthly subsidy
$442
Income 245% FPL → caps Silver at 3.8% of income.
- Annual income$50,000
- Household size2
- Federal Poverty Line$20,440
- % of FPL244.6%
- Max % of income for Silver3.78%
- Max annual you pay$1,892
- Annual Silver cost$7,200
- Annual subsidy$5,308
- Monthly subsidy$442
Step-by-step
- % of FPL = 50000 / 20440 = 244.6%.
- Premium cap = 3.78% of income.
- You pay max $1,892/yr; subsidy covers $5,308/yr.
How to use this calculator
- Enter household income (MAGI).
- Household size.
- Get local Silver plan cost from healthcare.gov.
About this calculator
ACA premium tax credit caps the cost of a benchmark Silver plan at 0-8.5% of household income, sliding by % of Federal Poverty Line. ARPA / IRA extensions (through 2025) eliminated the 400% FPL cliff — high earners can still qualify if benchmark Silver costs > 8.5% of income. Get exact estimate at healthcare.gov plan comparison. This calc is approximate (actual uses MAGI, not gross income, and county-specific benchmark).
Frequently asked
Modified Adjusted Gross Income — gross minus some adjustments + back tax-exempt interest, foreign earned income, untaxed Social Security. Usually similar to AGI.
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