ACA Subsidy Calculator
Your premium tax credit — and the 400%-of-poverty cliff that decides whether you get one.
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Second-lowest-cost silver plan
Premium tax credit$3,420.00Per year, toward premiums
Your share$4,980.00Expected annual contribution
% of poverty319%Eligible: 100–400%
As of 2026 law. Assumes the enhanced (ARPA/IRA) premium tax credits expired December 31, 2025, so the hard 400%-of-poverty cliff applies and the top expected contribution is 9.96% (Rev. Proc. 2025-25). Uses the 2025 federal poverty guidelines for the 48 contiguous states and DC; Alaska and Hawaii differ. The credit is measured against the second-lowest-cost silver plan (SLCSP) benchmark.