Premium Tax Credit estimate

2026 ACA subsidy calculation

The benchmark monthly premium after credit is $392. The estimate uses the 2026 IRS applicable percentage table and the 2026 HHS poverty guidelines, then limits the credit to the annual benchmark premium entered above.

Income room before 400% FPL: $47,280. Income gap to 100% FPL: $0. Employer-sponsored coverage affordability uses a separate 2026 required contribution percentage of 9.96%.

This is a planning estimate. It does not replace Healthcare.gov, a state marketplace, Form 8962, or a tax professional for complex allocation, partial-year, Medicaid, or employer-coverage cases.

Sources: IRS IRB 2025-32 and Federal Register 2026 HHS poverty guidelines