Affordable Care Act Subsidy Calculator

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.

Household Income
Number of people in the household

Subsidy Results

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.