Free tool
Where does your income land for 2026?
The rules for marketplace subsidies changed a lot for 2026. The expanded credits expired at the end of 2025, the 400% income cutoff is back, and a lot of advice written last year is now wrong. Enter two numbers and this tool shows which band your household lands in under the current federal formula.
Everything here is illustrative and educational. This is not an eligibility determination, an application, or a quote. Healthcare.gov runs the real calculation with your plan prices when you apply.
Questions people ask
- What is a premium tax credit?
- It is the ACA marketplace subsidy: a federal tax credit that lowers your monthly premium for plans bought on healthcare.gov. The credit is based on your household income relative to the federal poverty level, and for 2026 it applies to incomes between 100% and 400% of that level.
- What changed for 2026?
- The enhanced credits from 2021 through 2025 expired at the end of December 2025. For 2026 the original rules are back: credits stop entirely above 400% of the federal poverty level, and every income band pays a larger share than it did last year. Average subsidized premium payments roughly doubled, which is why so many renewal letters came as a shock.
- What income does this use?
- The real calculation uses MAGI: your household's adjusted gross income plus a few add-backs like tax-exempt interest, untaxed Social Security, and certain foreign income, estimated for the coverage year. For most households, expected adjusted gross income is a close starting point. Use your best estimate for 2026, not last year's return.
- Why doesn't this show a dollar credit amount?
- The credit equals the price of your area's benchmark Silver plan minus your expected contribution, so a dollar figure requires local plan prices. This site is educational and does not quote plan prices. The expected contribution shown here is the part of the formula that depends only on you, and healthcare.gov fills in the rest when you apply.
- My income is below the 100% level in Florida. Now what?
- Florida did not expand Medicaid, so adults under 100% of the poverty level often fall into a coverage gap with no marketplace credit and no Medicaid. Children may still qualify for Medicaid or Florida KidCare. And because credits use your estimated income for the whole year, an estimate that reaches the poverty level changes the answer. Healthcare.gov makes the official determination.
- When can I actually enroll?
- Open enrollment for 2027 marketplace coverage runs November 1, 2026 through January 15, 2027 in Florida. Outside that window, qualifying life events like losing other coverage, moving, getting married, or having a baby open a special enrollment period, usually 60 days long.
Where these numbers come from
- IRS Rev. Proc. 2025-25 (2026 applicable percentage table)
- 2025 HHS poverty guidelines (Federal Register, Jan 17, 2025)
- KFF: 2026 marketplace premium payments analysis
- Healthcare.gov (official eligibility and enrollment)
Last reviewed 2026-07-12. Want the full story of what changed? Read the 2026 subsidy guide.
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