Plan Affordability Lookup

Enter household income and household size to estimate your premium tax credit (subsidy), capped contribution percentage, and how metal-level cost-sharing typically plays out for your income bracket. All math is local (your inputs never leave your browser) and follows the standard §36B applicable-percentage schedule. The ARPA/IRA enhanced subsidies expired at the end of 2025, so for plan year 2026 the 400% FPL eligibility cliff is back, households above 400% FPL receive no premium tax credit. Applicable percentages are set annually by the IRS and shown here as approximations. Data from the CMS Health Insurance Marketplace Public Use Files, covering ACA health plans across the 30 federal marketplace states; see our methodology.

Annual household income (Modified AGI, $)

Modified AGI from your tax return, wages plus most other taxable income.

Household size (people on your tax return) 1 2 3 4 5 6 7 8

County benchmark Silver premium ($/mo, age 27)

Look up your county's benchmark on this site under Browse counties.

Primary enrollee age

ACA age-rating curve, premiums scale roughly 3x from age 21 to age 64.

Estimate subsidy

This calculator is informational only and does not constitute insurance, financial, or tax advice. Final premium tax credit determination is made by HealthCare.gov or your state marketplace based on verified income, household composition, and citizenship/immigration status. Verify your eligibility and final pricing at HealthCare.gov before enrolling. Methodology and source list: PlainHealthPlan methodology.