ACA Subsidy Estimator

Premium tax credit caps benchmark Silver plan at 0-8.5% of income (sliding scale).

Inputs

Result

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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

MAGI vs. gross?+
Modified Adjusted Gross Income — gross minus some adjustments + back tax-exempt interest, foreign earned income, untaxed Social Security. Usually similar to AGI.
Subsidy cliff still exists?+
No — ARPA/IRA eliminated through 2025. Beyond, may revert to 400% FPL cutoff. Always check current law.
Silver-plan benchmark?+
Second-cheapest Silver plan in your county. Subsidy size pegged to this regardless of which plan you actually buy.
Use subsidy on Bronze plan?+
Yes — apply same dollar amount, often making Bronze plan free. But Bronze has higher deductibles, less coverage.
Income changed mid-year?+
Reconcile via Form 8962 at tax time. If income dropped: refund. If income rose: pay back excess subsidy.

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