ACA Premium Tax Credit Calculator
Your premium tax credit is the benchmark Silver premium minus the share of income the IRS expects you to pay. For 2027 that share runs from 2.15% to 10.22% of income, and there is no credit above 400% of the poverty line. Pick a county we serve, or enter a benchmark from HealthCare.gov.
Figures checked October 15, 2026 · free, no sign-up
Calculator
Fill in the form to see your estimate. It updates as you type.
Estimate only, using the published figures listed under Sources. It is not a quote, an eligibility decision or advice. Your inputs stay in your browser: nothing is sent or saved, and you never need to share contact details to see a result.
Frequently asked
Sources & methodology
- IRS — Rev. Proc. 2026-26 (2027 applicable percentage table, required contribution 10.22%)
- IRS — Rev. Proc. 2025-25 (2026 applicable percentage table, required contribution 9.96%)
- IRS — Instructions for Form 8962 (household income as a percentage of the poverty line: drop decimals)
- HHS ASPE — 2025 Poverty Guidelines (48 contiguous states)
- HHS ASPE — Poverty Guidelines (2026)
- HealthCare.gov Marketplace API — 2026 plan year plans and subsidy estimates
- CMS — State Specific Age Curve Variations (federal default age curve)
- IRS — Repayment caps eliminated for excess advance payments of the Premium Tax Credit
The calculation runs entirely in your browser with the year-labelled figures from the sources above, and updates as you type. We don’t send, store or log anything you enter. We check these figures against the sources whenever CMS, the IRS or HHS publishes a new year.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 15, 2026.
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McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.