ACA Health Insurance Subsidy Estimator
Estimate your ACA marketplace subsidy (premium tax credit) based on household size, income, and age. Uses 2025 federal poverty guidelines and national average Silver plan benchmarks.
Use your best estimate of Modified Adjusted Gross Income (MAGI) for the coverage year.
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Frequently asked questions
What is the benchmark Silver plan?
The ACA subsidy equals the second-lowest-cost Silver plan premium in your county minus the amount you're expected to contribute based on income. You can apply the credit to any metal-tier plan — if you pick a cheaper plan you pocket the difference; a pricier plan costs more out of pocket. Your county's actual benchmark is visible on HealthCare.gov when you browse plans.
Can I get a subsidy if my employer offers health insurance?
Generally no. If your employer offers coverage that meets ACA minimum value standards and costs less than 9.02% of household income for employee-only coverage (2025 threshold), you're ineligible for marketplace subsidies. If employer coverage is unaffordable or doesn't meet minimum value, you can shop the marketplace and may qualify for a premium tax credit.
What if my income changes during the year?
Report income changes to the marketplace promptly. If your income ends up higher than estimated, you'll owe back some of the advance credit at tax time (repayment is capped by income level). If income is lower, you'll get additional credit on your tax return. You can update your enrollment mid-year during a Special Enrollment Period after qualifying life events.