Use this free health insurance subsidy calculator to estimate the 2026 ACA premium tax credit (APTC) you may qualify for on a marketplace plan. Enter your household size and income to see roughly how much your monthly premium could drop — many enrollees qualify for far more than they expect.
ACA Health Insurance Subsidy Estimator
See how much you could save on health insurance through the marketplace.
Your income is below 138% of the Federal Poverty Level. You may be eligible for Connecticut's Medicaid program (HUSKY) at little or no cost.
Your Subsidy Estimate
Recommended plan tier:
Estimates based on 2024 CT benchmark silver plan premiums. Actual amounts vary by plan and ZIP code. Income must be reported on ACA application.
How ACA subsidies work in 2026
Premium tax credits cap what you pay for a benchmark Silver plan at a percentage of your income. The lower your income relative to the federal poverty level (FPL), the larger the credit. Key points the calculator reflects:
- Subsidies are based on household income and size, not assets.
- The credit is tied to the second-lowest-cost Silver plan in your area, but you can apply it to any metal tier.
- Cost-sharing reductions (lower deductibles and copays) are available on Silver plans for lower-income households.
How to use it
- Enter your expected 2026 household income and the number of people in your tax household.
- Review the estimated monthly premium tax credit.
- Use that figure to compare Bronze, Silver, and Gold plans on the marketplace.
Where to enroll
Connecticut residents use Access Health CT; California residents use Covered California. A certified broker can enroll you and apply your subsidy at no additional cost — the price is identical whether you enroll alone or with help.
Frequently asked questions
Is this an official eligibility determination? No — it’s an estimate to help you plan. Your exact credit is calculated by the marketplace when you apply with verified income.
What if my income changes mid-year? Report it to the marketplace. Subsidies reconcile on your tax return, so a mid-year raise or drop can change what you owe or get back.
Does more income always mean no subsidy? Not necessarily. Through 2025 many higher earners still qualified because premiums were capped at 8.5% of income; check current rules, since this cliff can change year to year.
Want a real number from a licensed advisor?
A calculator is a starting point — our brokers shop 20+ carriers to match the estimate to real, guaranteed pricing at no cost to you. Talk to an advisor or explore all our free tools.