Affordable Care Act (ACA) Subsidy Calculator
Compare ACA Exchange Health Plans
Compare premiums, subsidies and benefits
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ValuePenguin.com's ACA subsidy calculator will help you determine the amount your household is required to spend on health insurance purchased on the individual exchange. The amount of subsidies your household may receive is dependent upon the number of people in your household and your household income as it relates to the federal poverty level. The federal subsidies will assist households that earn up to 400% of the federal poverty level.
For a more thorough explanation of how your individual exchange subsidies are calculated, read our guide: Understanding the ACA Subsidies
Enter your household information
The ACA uses Modified Adjusted Gross Income for the purposes of subsidy calculations.
Below you will find the information regarding your eligibility for federal subsidies. These subsidies are exclusively for plans purchased on the state exchanges under the ACA. As part of our analysis we illustrate what you would pay out of pocket for different sample levels of coverage.
Actual costs may vary in your state as these exchanges go live due to the actual premiums charged for plans. To find what you will actually pay on our
Household Income as a $ of FPL
Your household income as it relates to the federal poverty level. This is used to determine your eligibility and size of tax credits.
Premium Cap as % of Income
The percentage of your annual household income you are responsible for contributing towards the second cheapest available silver plan.
Annual Premium Cap
The annual dollar amount you are responsible for contributing towards the second cheapest available silver plan.
Monthly Premium Cap
The monthly dollar amount you are responsible for contributing towards the second cheapest available silver plan.