FPL % calculator
Work out where your household income falls as a percentage of the federal poverty level.
Tools ·
2026 plan year
ACA subsidy & premium tax credit estimator
Enter your household size, your estimated income for the coverage year, and roughly what a benchmark Silver plan costs in your county. This estimates the advance premium tax credit you could receive and what you would pay after it is applied.
What this assumes
- Uses the current Marketplace affordability schedule, interpolated within each income band exactly as the Marketplace does.
- Based on the HHS poverty guidelines for the 48 contiguous states and DC.
- The benchmark plan is the second-cheapest Silver plan in your county — the figure the credit is calculated from.
- Your actual credit depends on the real benchmark price for your county, the ages of everyone covered, and tobacco use.
- Credits are reconciled against your actual income on your tax return.
Talk it through with Sarah
An estimate is a starting point. Sarah can look up the real figures for your county, check your doctors and prescriptions, and tell you what the numbers actually mean for you.
This is an estimate, not a quote. Estimates only. Figures on this page use published 2026 plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any advance premium tax credit are confirmed at enrollment on HealthCare.gov or with the carrier. CUPS Insurance is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
Keep going
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Compare what COBRA would cost you against a subsidised Marketplace plan for the rest of the year.
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