ACA Health Insurance Tools & Calculators (2026)
Free calculators to estimate your premium tax credit, compare marketplace plans, check eligibility, and plan around the 2026 subsidy cliff. Built for individuals, families, freelancers, and early retirees.
💰 Subsidy & Premium Calculators
ACA Subsidy Calculator
Estimate your 2026 premium tax credit based on income, household size, and state.
Quick Subsidy Estimator
Get a fast subsidy estimate with fewer inputs — perfect for a quick check.
Premium Tax Credit Calculator
Calculate your exact premium tax credit (PTC) amount for 2026 marketplace plans.
Subsidy Cliff Calculator
See exactly how much the 2026 subsidy cliff costs you at different income levels.
APTC Income Change Calculator
Find out how a raise, job change, or side income affects your advance premium tax credit.
Family Contribution Calculator
Determine each family member's expected contribution toward marketplace premiums.
⚖️ Plan Comparison Tools
COBRA vs. Marketplace Calculator
Compare the true cost of COBRA continuation vs. an ACA marketplace plan after job loss.
Silver vs. Bronze Plan Calculator
Compare total out-of-pocket costs between Silver and Bronze marketplace plans.
Plan Types Comparison Calculator
Compare HMO, PPO, EPO, and HDHP plan types side by side for your situation.
✅ Eligibility Checkers
CSR Eligibility Calculator
Check if you qualify for Cost-Sharing Reductions that lower deductibles and copays on Silver plans.
Medicaid Gap Calculator
Find out if you fall in the Medicaid coverage gap and what your options are.
Medicaid Gap Checker
Quick check for Medicaid gap status based on your state and income level.
SEP Eligibility Calculator
Check if you qualify for a Special Enrollment Period outside of Open Enrollment.
Special Enrollment Qualifier
Answer a few questions to determine your Special Enrollment Period eligibility and next steps.
📋 Tax & Savings Calculators
PTC Reconciliation Calculator
Estimate what you'll owe or get back when reconciling premium tax credits at tax time.
HSA Contribution Calculator
Calculate 2026 HSA contribution limits and see how HSA contributions reduce your MAGI.
Child Care Credit Calculator
Estimate your Child and Dependent Care Tax Credit and its interaction with ACA subsidies.
Dependent Care Calculator
Calculate potential savings from Dependent Care FSA/HSA accounts alongside ACA planning.
Frequently Asked Questions
Are these ACA calculators free to use?
Yes, all calculators and tools on ACA Subsidy Guide are 100% free. We built them to help individuals and families navigate the complexities of ACA marketplace insurance, especially with the 2026 subsidy cliff changes.
How accurate are the ACA subsidy calculator results?
Our calculators use the official 2026 Federal Poverty Level (FPL) guidelines and IRS premium percentage tables to estimate your premium tax credit. Results are estimates — your actual subsidy depends on the specific plans available in your area and your final tax return. For official enrollment, use HealthCare.gov or your state marketplace.
What changed with ACA subsidies in 2026?
The enhanced ACA subsidies from the American Rescue Plan and Inflation Reduction Act expired on December 31, 2025. In 2026, the subsidy cliff returns: households earning over 400% of the Federal Poverty Level (~$62,400 for an individual) lose all premium tax credits. Our Subsidy Cliff Calculator helps you understand the exact impact.
Which ACA calculator should I use first?
Start with the ACA Subsidy Calculator for a comprehensive estimate of your premium tax credit. If you're comparing coverage options after a job loss, try the COBRA vs. Marketplace Calculator. If you're near the income cutoff, the Subsidy Cliff Calculator shows how small income changes affect your subsidy.
Not sure where to start?
Try our main ACA Subsidy Calculator for a complete estimate of your 2026 premium tax credit.
Open the Subsidy Calculator →