ACA subsidy estimator
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
Tools ·
2026 plan year
Federal poverty level (FPL) percentage calculator
Almost every eligibility threshold in the Marketplace is expressed as a percentage of the federal poverty level. This works out yours, and shows which programmes and cost-sharing bands that percentage puts you near.
What this assumes
- Uses the HHS poverty guidelines for the 48 contiguous states and DC. Alaska and Hawaii use different figures.
- Marketplace eligibility for a coverage year uses the guidelines published the previous January.
- Household size means everyone on your tax return, not everyone living in your home.
- Income means modified adjusted gross income, which differs from take-home pay.
- Utah has not expanded Medicaid to the full ACA threshold in the way some states have — eligibility rules differ; confirm your own situation.
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
ACA vs COBRA
Compare what COBRA would cost you against a subsidised Marketplace plan for the rest of the year.
SEP qualifier
Find out in about a minute whether a recent life event lets you enrol outside Open Enrollment.
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