GetFastRates.com
2026 ACA Premium Tax Credit Calculator
Estimate your 2026 ACA marketplace premium tax credit using official IRS applicable-percentage rules, HHS federal poverty guidelines, and real benchmark Silver plan pricing for your county.
Household
These are tax household facts. Household size is not automatically the same as the number of people applying for Marketplace coverage.
Applicants
Who is applying for coverage? ⓘ
Eligibility
Eligibility and plan results will display once your details are completed.
This calculator is educational only. It is not a government determination, quote, subsidy award, coverage recommendation, or carrier approval. Call licensed insurance help before relying on an estimate.
Calculator questions
Is this an official ACA subsidy calculation?
No. It's a real estimate built from the same public data sources -- IRS Revenue Procedure 2025-25, HHS federal poverty guidelines, and CMS Marketplace plan pricing -- that determine actual premium tax credits, but it isn't a Marketplace eligibility determination. Your actual advance credit is confirmed through HealthCare.gov (or your state exchange) and reconciled on your federal tax return.
Which states have real benchmark plan pricing right now?
States on the federal Marketplace (HealthCare.gov), starting with Florida, use real second-lowest-cost Silver plan pricing from CMS. States that run their own exchange (like California, New York, or Washington) aren't connected yet -- we show that honestly instead of guessing, and a licensed agent can still help you check options.
Why do Medicaid/CHIP or Medicare show up separately?
Premium tax credits are a Marketplace-only benefit. If someone in your household may qualify for Medicaid, CHIP, or Medicare instead, we flag that separately rather than including them in the Marketplace estimate -- these aren't official determinations, just a starting point for questions.
What should I have ready before calling?
Have your ZIP code, household size, estimated 2026 income, who in your household needs coverage and their ages, and any employer or government coverage offers ready.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.