Affordable Care Act Premium Tax Credit Calculator 2026

The Affordable Care Act (ACA) Premium Tax Credit Calculator 2026 helps you estimate your healthcare subsidies for the upcoming year. Understanding and maximizing these credits can significantly reduce your out-of-pocket healthcare costs.

1. Enter your annual household income.
2. Select the age of the oldest person in your household.
3. Enter the number of people in your household.
4. Click ‘Calculate’ to estimate your premium tax credit.

The calculator uses the following formula to estimate your premium tax credit:

PTCC = (APTC - (AI - FPL) / (FPL * 4.0)) * (1 - (HIT / 100))

Where:

• PTCC = Premium Tax Credit
• APTC = Average Premium for the Second Lowest Cost Silver Plan
• AI = Annual Income
• FPL = Federal Poverty Level
• HIT = Household Income Threshold

Federal Poverty Levels for 2026

Family Size	Federal Poverty Level

Average Premiums for the Second Lowest Cost Silver Plan (2026)

State	Average Premium

• Use the calculator to estimate your subsidies before open enrollment.
• Report any changes in income or family size to your health insurance marketplace.
• Shop around for plans to find the best value for your needs.

What is the Federal Poverty Level (FPL)?

The Federal Poverty Level (FPL) is a measure of income issued by the U.S. Department of Health and Human Services. It varies by family size and is used to determine eligibility for certain programs and subsidies.

Learn more about the premium tax credit on HealthCare.gov

Read about the premium tax credit from the U.S. Department of Health & Human Services