2026 ACA Subsidy Calculator
Estimate your 2026 premium tax credit in under a minute. Built for Nebraska and Iowa households navigating the return of the 400% FPL subsidy cliff.
Your household
Everyone on your tax return, including you and dependents.
Use line 11 of your most recent 1040, plus tax-exempt interest.
Only those enrolling in the ACA plan (skip anyone on Medicare or employer plans).
Used for context only - benchmark premiums vary by county.
Your 2026 estimate
Email me my results
We'll send a copy of your inputs and estimate so you can compare plans later.
Estimates only, based on 2026 federal guidelines and Nebraska average premiums. Your actual subsidy depends on the exact benchmark plan in your county. Verify current law - Congress may modify subsidy rules.
How 2026 ACA subsidies work
How are ACA subsidies calculated in 2026?
For 2026 coverage, the IRS uses your Modified Adjusted Gross Income (MAGI) compared to the federal poverty level (FPL). You're expected to pay a sliding-scale percentage of your income (4.19% to 9.96%) toward the second-lowest-cost Silver plan in your area. Any premium above that amount is covered by an Advance Premium Tax Credit (APTC).
Did the enhanced ACA subsidies expire?
Yes. The American Rescue Plan and Inflation Reduction Act enhancements that capped premiums at 8.5% of income and eliminated the 400% FPL cliff expired at the end of plan year 2025. For 2026, the pre-2021 sliding scale and the 400% FPL subsidy cliff return unless Congress acts.
What is the 400% FPL subsidy cliff?
If your household income exceeds 400% of the federal poverty level, you lose all premium tax credits in 2026, even by $1. A family of two earning $42,300 might qualify for $800/month in subsidies, but earning $42,301 could mean paying full price. This makes income planning critical for early retirees, self-employed households, and anyone near the cliff.
Will my actual subsidy match this calculator?
This is an estimate. Your real subsidy depends on the exact benchmark Silver plan in your county, tobacco use, and any mid-year income changes. Final amounts are reconciled on IRS Form 8962 with your tax return. For an exact quote tied to plans in your ZIP code, use a licensed agent or HealthSherpa.