2026 ACA Health Insurance Subsidy & Tax Credit Calculator
Estimate your Federal Poverty Level (FPL) percentage and see if you qualify for Premium Tax Credits (subsidies) and Cost-Sharing Reductions for 2026.
Step 1: Enter Your Household Details
Calculate Results
Fill out the household details and submit to view your estimated FPL tier and subsidy eligibility.
2026 Continental United States Federal Poverty Level (FPL) Table
| Household Size | 100% FPL (Base) | 150% FPL (Gold CSR Limit) | 250% FPL (Silver CSR Limit) | 400% FPL (Subsidies Limit) |
|---|---|---|---|---|
| 1 | $15,060 | $22,590 | $37,650 | $60,240 |
| 2 | $20,440 | $30,660 | $51,100 | $81,760 |
| 3 | $25,820 | $38,730 | $64,550 | $103,280 |
| 4 | $31,200 | $46,800 | $78,000 | $124,800 |
| 5 | $36,580 | $54,870 | $91,450 | $146,320 |
Source: Department of Health and Human Services (HHS). In non-expanded states (Florida, Texas, Georgia, South Carolina, Alabama, Tennessee), expected household income below 100% FPL leads to a coverage gap where no subsidies are granted. In expanded states (Arizona, Oklahoma, North Carolina), income below 138% FPL is eligible for Medicaid.