ACA Subsidy Estimator
Estimate the ACA premium tax credit (marketplace subsidy) using federal poverty guidelines.
Educational estimate only — NOT an official determination. It uses 2024 federal poverty guidelines and a simplified linear cap (0% at 100% FPL → 8.5% at 400% FPL). The real lookup is a stepped table. Verify exact current values at HealthCare.gov.
Frequently asked questions
Is this my official subsidy?
No. It is a simplified model for education. Your actual premium tax credit is determined when you apply at the marketplace (HealthCare.gov or your state exchange) using current-year guidelines.
What if my income is below 100% of the poverty line?
You may qualify for Medicaid rather than a marketplace subsidy. This estimator does not model Medicaid eligibility.