Official 2026 ACA Estimator

Calculate Your Federal Subsidy Savings

Find out in under 60 seconds how much you can save on health insurance through federal Advanced Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR).

Personalized Federal Subsidy Calculator

Adjust your household size and estimated 2026 taxable income to see your estimated monthly tax credit and tier pricing.

1. Your 5-Digit US ZIP Code

2. Number of People in Tax Household

3. Estimated Annual Household Income $45,000 / year

Estimated Monthly Subsidy

$620 / mo

Federal Advanced Premium Tax Credit (APTC)

Federal Poverty Level (FPL)

144% FPL

★ Eligible for Maximum CSR Reductions

Great news! With your household income of $45,000, you qualify for $0 to $10/month Silver Benchmark health plans with lowered deductibles.

Estimated Monthly Cost by Plan Tier

Bronze Tier

$0 / mo

Catastrophic & High Deductible

Silver (Benchmark)

$0 - $18 / mo

Includes Low Deductible (CSR)

Gold Tier

$85 - $140 / mo

Low Copays for Specialists

Platinum Tier

$180 - $260 / mo

Zero Deductible Healthcare

Lock In My Subsidized Health Plan →