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ACA Premium Tax Credit Calculator
Short answer: What does the ACA Premium Tax Credit Calculator calculate?
The ACA Premium Tax Credit Calculator works out monthly premium tax credit, your monthly premium after credit and income as % of poverty line. Estimate your Marketplace (Obamacare) premium tax credit and what you would pay each month after the subsidy. It uses US rules and USD, and it is free to use on this page.
Try the ACA Premium Tax Credit Calculator
See your estimated monthly subsidy — results update as you type.
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Put this calculator on your websiteWhat this calculator does
What the ACA Premium Tax Credit calculator works out
The ACA Premium Tax Credit Calculator is a free, embeddable calculator from CalcFunnel. Estimate your Marketplace (Obamacare) premium tax credit and what you would pay each month after the subsidy.
You enter 6 inputs: coverage year, where you live, household size, household income (MAGI), benchmark silver premium (monthly) and premium of the plan you want (monthly).
It returns monthly premium tax credit, your monthly premium after credit, income as % of poverty line, required contribution (% of income), your expected yearly contribution and annual premium tax credit.
Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.
Results it shows
- 01Monthly Premium Tax Credit
- 02Your Monthly Premium After Credit
- 03Income as % of Poverty Line
- 04Required Contribution (% of income)
- 05Your Expected Yearly Contribution
- 06Annual Premium Tax Credit
The first figure — monthly premium tax credit — is the headline result.
Inputs
What you can change
Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 6 results update as they type.
Household & Income
- Coverage Year
- The year the health plan covers. 2027 plans use the 2026 poverty guidelines; 2026 plans use the 2025 guidelines.Options: 2026 · 2027
- Where You Live
- Alaska and Hawaii have higher poverty guidelines than the other 48 states and DC.Options: 48 states + DC · Alaska · Hawaii
- Household Size
- You, your spouse if filing jointly, and everyone you claim as a tax dependent — even if they do not need coverage.
- Household Income (MAGI)
- Expected modified adjusted gross income for the coverage year for everyone in the tax household: adjusted gross income plus untaxed foreign income, tax-exempt interest and non-taxable Social Security.
Plan Premiums
- Benchmark Silver Premium (monthly)
- The full monthly price of the second-lowest-cost silver plan (SLCSP) for everyone applying, from HealthCare.gov or your state Marketplace. The credit is based on this plan even if you choose another.
- Premium of the Plan You Want (monthly)
- The full monthly price of the plan you are considering, before any subsidy. The credit cannot exceed this amount.
Definitions
ACA Premium Tax Credit terms, defined
The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.
- Premium tax creditCrédito tributario de prima
- A federal tax credit that lowers the monthly cost of a health plan bought through HealthCare.gov or a state Marketplace. You can take it in advance, paid straight to the insurer each month, or claim it when you file your tax return. It equals the benchmark silver premium minus the share of income you are expected to pay, and it can never be more than the premium of the plan you pick.Un crédito tributario federal que reduce el costo mensual de un plan de salud comprado en HealthCare.gov o en el Mercado de su estado. Puede recibirlo por adelantado, pagado directamente a la aseguradora cada mes, o reclamarlo al presentar su declaración de impuestos. Equivale a la prima del plan plata de referencia menos la parte de su ingreso que se espera que usted pague, y nunca puede ser mayor que la prima del plan que elija.
- Federal poverty line (FPL)Línea federal de pobreza (FPL)
- The HHS poverty guideline for your household size. Marketplace coverage uses the guidelines published the year before the coverage year: for 2027 plans, $15,960 for one person plus $5,680 for each extra person in the 48 states and DC (higher in Alaska and Hawaii). Your income as a percentage of this figure sets how much you are expected to pay.La pauta de pobreza del HHS para el tamaño de su hogar. La cobertura del Mercado usa las pautas publicadas el año anterior al año de cobertura: para los planes de 2027, $15,960 para una persona más $5,680 por cada persona adicional en los 48 estados y DC (más alta en Alaska y Hawái). Su ingreso como porcentaje de esta cifra determina cuánto se espera que pague.
- Applicable percentagePorcentaje aplicable
- The share of household income the law expects you to pay toward the benchmark plan. The IRS sets it each year: for 2027 it runs from 2.15% of income below 133% of the poverty line up to 10.22% between 300% and 400%, rising in a straight line within each band. Above 400% of the poverty line there is no credit under current law.La parte del ingreso del hogar que la ley espera que usted pague por el plan de referencia. El IRS la fija cada año: para 2027 va del 2.15% del ingreso por debajo del 133% de la línea de pobreza hasta el 10.22% entre el 300% y el 400%, y sube en línea recta dentro de cada tramo. Por encima del 400% de la línea de pobreza no hay crédito según la ley actual.
- Benchmark silver plan (SLCSP)Plan plata de referencia (SLCSP)
- The second-lowest-cost silver plan available to your household. Its full premium is the starting point for the credit, whichever plan you actually buy. If you choose a cheaper bronze plan the same credit covers more of its price; if you choose a gold plan you pay the difference.El segundo plan plata de menor costo disponible para su hogar. Su prima completa es el punto de partida del crédito, sin importar qué plan compre. Si elige un plan bronce más barato, el mismo crédito cubre una mayor parte de su precio; si elige un plan oro, usted paga la diferencia.
- Modified adjusted gross income (MAGI)Ingreso bruto ajustado modificado (MAGI)
- The income figure the Marketplace uses: adjusted gross income from your tax return plus untaxed foreign income, tax-exempt interest and Social Security benefits that are not taxed. It includes the income of everyone in your tax household who is required to file a return.La cifra de ingreso que usa el Mercado: el ingreso bruto ajustado de su declaración de impuestos más ingresos extranjeros no gravados, intereses exentos de impuestos y beneficios del Seguro Social no gravados. Incluye el ingreso de todas las personas de su hogar tributario que deben presentar una declaración.
- The 400% limitEl límite del 400%
- From 2021 to 2025, temporary enhanced credits let households above 400% of the poverty line qualify. Those rules expired on December 31, 2025, so under current law a household whose income is above 400% of the poverty line gets no premium tax credit, even if one dollar over the line.De 2021 a 2025, unos créditos ampliados temporales permitían que los hogares por encima del 400% de la línea de pobreza calificaran. Esas reglas vencieron el 31 de diciembre de 2025, por lo que según la ley actual un hogar cuyo ingreso supere el 400% de la línea de pobreza no recibe crédito tributario de prima, aunque lo supere por un solo dólar.
- ReconciliationConciliación
- When you file your taxes, Form 8962 compares the advance credit paid during the year with the credit you qualify for based on your actual income. If your income came in higher, you may owe some or all of the difference back; if lower, you get the rest as a refund. Report income changes to the Marketplace during the year to limit surprises.Al presentar su declaración, el Formulario 8962 compara el crédito adelantado pagado durante el año con el crédito al que tiene derecho según su ingreso real. Si su ingreso resultó más alto, es posible que deba devolver una parte o la totalidad de la diferencia; si fue más bajo, recibe el resto como reembolso. Informe los cambios de ingreso al Mercado durante el año para evitar sorpresas.
- Income below 100% of the poverty lineIngreso por debajo del 100% de la línea de pobreza
- Households below the poverty line generally do not qualify for the premium tax credit. In most states they may qualify for Medicaid instead, which this calculator does not check. Contact your state Medicaid agency or the Marketplace to see what you qualify for.Los hogares por debajo de la línea de pobreza en general no califican para el crédito tributario de prima. En la mayoría de los estados pueden calificar para Medicaid, algo que esta calculadora no verifica. Comuníquese con la agencia de Medicaid de su estado o con el Mercado para saber a qué tiene derecho.
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FAQ
ACA Premium Tax Credit calculator FAQs
Still stuck? Ask the team — we reply within one business day.
Q.01What does the ACA Premium Tax Credit Calculator calculate?
Estimate your Marketplace (Obamacare) premium tax credit and what you would pay each month after the subsidy. It returns monthly premium tax credit, your monthly premium after credit, income as % of poverty line, required contribution (% of income), your expected yearly contribution and annual premium tax credit.
Q.02What information do I need to use the ACA Premium Tax Credit Calculator?
You enter 6 inputs: coverage year, where you live, household size, household income (MAGI), benchmark silver premium (monthly) and premium of the plan you want (monthly). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Coverage Year” mean in the ACA Premium Tax Credit Calculator?
The year the health plan covers. 2027 plans use the 2026 poverty guidelines; 2026 plans use the 2025 guidelines.
Q.04What does “Where You Live” mean in the ACA Premium Tax Credit Calculator?
Alaska and Hawaii have higher poverty guidelines than the other 48 states and DC.
Q.05Is the ACA Premium Tax Credit Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the ACA Premium Tax Credit Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the ACA Premium Tax Credit Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the ACA Premium Tax Credit Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the ACA Premium Tax Credit results financial advice?
No. Estimates only. Uses the HHS poverty guidelines and the IRS applicable percentage tables for the coverage year you choose (Rev. Proc. 2025-25 for 2026, Rev. Proc. 2026-26 for 2027). The enhanced credits that removed the 400% income limit expired at the end of 2025; if Congress changes the law, results will differ. Your actual credit depends on the benchmark silver plan premium for your household, your final household income, and eligibility rules (other affordable coverage, immigration status, Medicaid) that this calculator does not check. Advance payments are reconciled on your tax return and you may have to repay some or all of them. Confirm with HealthCare.gov, your state Marketplace or a licensed agent.
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