Health Insurance Comparison tool
Free Tool
Health Insurance Subsidy Calculator
Enter your household size, state, and estimated income to see roughly what percentage of your income the Marketplace expects you to pay toward a benchmark plan — and estimate your monthly premium tax credit.
This is an educational estimate based on IRS Revenue Procedure 2025-25 and 2025 HHS poverty guidelines (used for 2026 coverage). It does not use your exact county’s real-time benchmark premium unless you enter one, and it does not submit or store your information anywhere. Your actual premium tax credit is determined by Healthcare.gov or your state Marketplace at enrollment, and reconciled annually with the IRS on Form 8962.
Want to see this estimate turned into real plan prices? Compare health insurance plans in your area →
Official sources behind this calculator
Verify anything time-sensitive directly with these agencies — figures are updated annually.
- Healthcare.gov — official Marketplace enrollment and exact subsidy determination.
- IRS Revenue Procedure 2025-25 — the 2026 Applicable Percentage Table used in this calculator.
- HHS ASPE Poverty Guidelines — the federal poverty level figures used for eligibility.
- IRS Premium Tax Credit Q&A — how the credit is reconciled on Form 8962.
