ACA Subsidy Estimator
Get a quick estimate of how the 2026 subsidy changes will affect you
📊 Quick & Simple: This estimator uses basic assumptions for fast results. For detailed calculations with multiple family members and ages, use our full calculator.
Quick Subsidy Estimator
This quick estimator uses simplified assumptions (single adult, age 40) for a basic subsidy estimate.
For detailed calculations with multiple household members and ages, use our full calculator.
Full Calculator
Detailed analysis with ages & locations
Income Strategies
Ways to reduce your MAGI
Understanding the Cliff
Why subsidies disappear at 400% FPL
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⚠️ Disclaimer
This calculator provides estimates for educational purposes only. It is not a substitute for professional advice. Actual premiums, subsidies, and eligibility may vary based on your specific circumstances, location, and available plans. We are not licensed insurance agents or brokers. For official information, visit HealthCare.gov or contact a licensed insurance professional. This site is not affiliated with the U.S. government, CMS, or any insurance company.