How do I calculate my ACA health insurance subsidy?

Your ACA subsidy (premium tax credit) is calculated based on household size, projected annual income, and the cost of the benchmark Silver plan in your area. If your income falls between 100% and 400% of the Federal Poverty Level, you likely qualify. Use the estimator above to get a personalized estimate, then work with a broker to confirm your actual subsidy amount during enrollment.

What income qualifies for ACA subsidies in Florida in 2026?

For 2026, a single person earning roughly $15,060 to $60,240 qualifies for ACA subsidies. A family of four qualifies with income between approximately $31,200 and $124,800. Under the Inflation Reduction Act extension, subsidies may be available above these thresholds. Income is based on Modified Adjusted Gross Income (MAGI), not gross pay.

ACA Subsidy Estimator | Premium Tax Credit Calculator

Estimate Your Subsidy

Enter your details below — your estimate updates instantly as you type.

Estimate Confidence 0%

Age Income Household ZIP Tobacco

Exact Age

Age of the primary applicant (0–64). Those 65+ should explore Medicare.

Exact Annual Income

Your total expected MAGI for 2026. Be as precise as possible.

Household Size

Include yourself, your spouse, and any tax dependents.

ZIP Code

Defaults to Lakeland, FL. Change if you live elsewhere.

Tobacco Use

Tobacco use can affect your premium but not your subsidy amount.

Estimated Monthly Premium

per month after subsidy

YOU LIKELY QUALIFY FOR $0 BRONZE PLANS

🏭 Base Premium, age -- --

📈 Your FPL Level --

💰 IRS Expected Contribution --

🌟 Your Tax Credit (APTC) --

Your Estimated Cost --

2026 Subsidy Change: Enhanced subsidies from the Inflation Reduction Act expired Dec 31, 2025. The 400% FPL subsidy cliff has returned. Uses IRS Rev. Proc. 2025-25 applicable percentages.

Disclaimer: This tool provides estimates only and does not guarantee eligibility or subsidy amounts. Actual premium tax credits depend on your MAGI, household composition, age, tobacco use, geographic rating area, and available benchmark Silver plan pricing. Uses 2025 Federal Poverty Guidelines for 2026 coverage year per IRS Rev. Proc. 2025-25. Florida has not expanded Medicaid under the ACA. For official eligibility, visit HealthCare.gov.

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Your estimate above is a great start. Your personalized report includes:

✓ Exact ACA plans available in your ZIP code

✓ Real premiums after your subsidy is applied

✓ Side-by-side comparison of Bronze, Silver & Gold options

✓ Deductible & out-of-pocket maximums for each plan

✓ Cost-Sharing Reduction (CSR) eligibility check

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ACA Subsidy Estimator

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