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ACA Subsidy Calculator

Estimate your 2027 Marketplace health insurance subsidy: what you’d pay for a benchmark Silver plan, your premium tax credit, and whether you’d qualify for Medicaid instead. Built on the IRS’s 2027 figures.

You, a spouse and dependents

$

Your best estimate of adjusted gross income, for everyone in the household

$

A month: the second-cheapest Silver plan for the people you’re covering. Preview plans on HealthCare.gov and sort the Silver plans by price. Optional.

More options· Compare a plan
$

Its price a month before the credit, such as a Bronze or Gold plan

You’d pay for a benchmark Silver plan

$289 a month

8.68% of your income, at 251% of the poverty line. The tax credit pays the rest.

A year
$3,472
Credit ends at
$63,840

Add the benchmark plan’s price to see your tax credit: it’s that price less $289.

What this means

Your credit is the same whichever plan you choose, so a cheaper plan costs you less each month: some Bronze plans may cost little or nothing after the credit, but have much higher deductibles.

The credit is based on your estimate. If your income ends up higher, you pay back the extra when you file your 2027 taxes, with no limit on the amount, so tell the Marketplace if your income changes.

Next step

Your household of 1

Poverty line$15,960
Your income$40,000 (251%)
Medicaid for adultsNot expanded
Tax credit ends above$63,840
Your share of income8.68%
You pay for the benchmark$289/mo

What you’d pay as income rises

For a benchmark plan, a month, by income as a share of the poverty line
$544$272$0
150%200%250%300%350%400%
You pay
Assumptions in this estimate
  • For 2027 coverage, with the 2026 poverty guidelines and the IRS’s 2027 table: from 2.15% of income near the poverty line to 10.22% from 300% to 400% of it.
  • Income is modified adjusted gross income: your AGI plus any untaxed Social Security, tax-exempt interest and foreign income, for everyone in the tax household who has to file.
  • You can’t get the credit if you can get affordable coverage through a job (self-only cover costing up to 10.22% of household income in 2027), Medicare, or Medicaid. Married couples must file jointly.
  • Medicaid limits are for adults under 65 and use the same household size; states count income and households in their own ways, and some cover adults above the limit shown.
  • Some states add their own help on top of the federal credit. Rules on immigration status also apply: HealthCare.gov checks them when you apply.
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How the calculator works

  1. Your income against the poverty line: your household’s expected income for 2027, as a share of the 2026 poverty guideline for its size.
  2. Your expected share: the IRS’s 2027 table sets the share of income you pay for the benchmark plan, rising with income.
  3. The credit: the benchmark plan’s price, less your share. Enter the price from HealthCare.gov to see it; you can then compare any plan after the credit.
  4. Medicaid and the limits: below 138% of the poverty line in states that have expanded Medicaid you’d usually get Medicaid instead, and above 400% there’s no credit.

Examples

A single person in Florida expecting to earn $40,000 (251% of the poverty line) pays 8.68% of income, $289 a month, for a benchmark Silver plan. If that plan costs $600 a month, the credit is $311 a month ($3,728 a year), and a $450 Bronze plan would cost them $139.

A couple earning $60,000 pays 9.51% of income, $476 a month. If their benchmark plan costs $1,500 a month, the credit is $1,025 a month.

A single person earning $70,000 is $6,160 over the $63,840 limit, so gets no credit. Paying $6,160 or more into a traditional 401(k) or an HSA would lower their income below the limit.

Income limits by household

2027 coverage uses the 2026 poverty guidelines (Alaska and Hawaii have higher ones):

Household Poverty line Medicaid up to (138%) Credit up to (400%)
1 person $15,960 $22,025 $63,840
2 people $21,640 $29,863 $86,560
3 people $27,320 $37,702 $109,280
4 people $33,000 $45,540 $132,000
5 people $38,680 $53,378 $154,720

The Medicaid limit applies in states that have expanded Medicaid. In the others, adults below the poverty line usually get neither Medicaid nor a credit.

What you pay for the benchmark plan

Income (share of the poverty line) You pay for the benchmark plan
Up to 133% 2.15% of income
133% to 150% 3.23% to 4.3%
150% to 200% 4.3% to 6.78%
200% to 250% 6.78% to 8.66%
250% to 300% 8.66% to 10.22%
300% to 400% 10.22% of income
Over 400% No credit

A single person, for the benchmark Silver plan, whatever it costs:

Income Share of the poverty line Share of income You pay a month
$25,000 157% 4.63% $96
$30,000 188% 6.18% $155
$40,000 251% 8.68% $289
$50,000 313% 10.22% $426
$60,000 376% 10.22% $511

What you pay for the benchmark plan depends only on your income, so the credit is bigger where plans cost more: the credit makes up the difference. Older people, whose plans cost more, get bigger credits for the same income.

Learn more

See our insurance basics guide, the HSA calculator for HSA-eligible Bronze plans, and the budget calculator to fit the premium in.

Last updated

Frequently asked questions

How much will my ACA subsidy be in 2027?

Your premium tax credit is the price of the benchmark (second-cheapest Silver) plan in your area, less the share of income you’re expected to pay: from 2.15% of income near the poverty line to 10.22% from 300% to 400% of it. A single person earning $40,000 pays $289 a month for a benchmark plan, and the credit covers the rest.

Is there an income limit for ACA subsidies in 2027?

Yes. The extra help that removed the limit ended after 2025, so for 2027 there’s no credit if your household income is over 400% of the poverty line: $63,840 for one person, $86,560 for two and $132,000 for a family of four (more in Alaska and Hawaii).

When is open enrollment for 2027?

On HealthCare.gov, November 1, 2026 to January 15, 2027. Enroll by December 15 for cover from January 1. States that run their own marketplace can have different dates.

What if my income turns out different from my estimate?

The credit is paid each month based on your estimate, then settled on your 2027 tax return. If your income ends up higher, you pay back the extra credit, with no limit on the amount; if it’s lower, you get more back. Update your application when your income changes.

Should I choose a Bronze or Silver plan?

The credit is the same whatever you choose. Bronze costs less each month but has higher deductibles. If your income is up to 250% of the poverty line, Silver plans come with extra savings on deductibles and copays, which often makes them the better deal.

What if my income is below the poverty line?

In most states, adults with income up to 138% of the poverty line can get Medicaid instead. In the 10 states that haven’t expanded Medicaid, adults below the poverty line usually get neither Medicaid nor the credit, unless they qualify as a parent, during pregnancy or with a disability.