2026 Planning Tool

ACA Subsidy Calculator
for Early Retirees

Model your 2026 premium tax credit based on projected income — built for people planning Roth conversions and income timing years ahead of enrollment, not for picking a plan this week.

This tool is for modeling and planning purposes only — not for making an actual healthcare enrollment decision. ACA subsidy rules and dollar thresholds change every year and vary by state and county. Before enrolling in coverage, always get your exact numbers at healthcare.gov or your state marketplace.

Estimate Your 2026 Premium Tax Credit

Results update on button click.

Counts toward MAGI:
  • Traditional IRA / 401(k) withdrawals
  • Roth conversions
  • Capital gains & dividends
  • 100% of Social Security benefits
  • Interest income
  • Freelance / part-time earnings
Does NOT count:
  • Roth IRA contribution withdrawals (basis only)
  • HSA withdrawals used for qualified medical expenses
Enter only if you've looked up your benchmark Silver plan cost at healthcare.gov. If blank, we show your required-contribution math only — not an estimated credit.
⚠ A note before you act

The interaction between Roth conversions, capital gains timing, and ACA subsidies is one of the most consequential financial decisions in early retirement — and one of the easiest to get wrong. If you're planning a significant conversion or income event, it's worth modeling with a fee-only CFP who specializes in early retirement before you act.

How This Is Calculated

All figures below are public record. Source data is cited so the formula is checkable, not a black box.

100% FPL & 400% Cliff — 48 Contiguous States + DC

Size100% FPL400% FPL (Cliff)
1$15,650$62,600
2$21,150$84,600
3$26,650$106,600
4$32,150$128,600
5$37,650$150,600
6$43,150$172,600
7$48,650$194,600
8$54,150$216,600

Alaska

Size100% FPL400% FPL (Cliff)
1$19,550$78,200
2$26,430$105,720
3$33,310$133,240
4$40,190$160,760
5$47,070$188,280
6$53,950$215,800
7$60,830$243,320
8$67,710$270,840

Hawaii

Size100% FPL400% FPL (Cliff)
1$17,990$71,960
2$24,320$97,280
3$30,650$122,600
4$36,980$147,920
5$43,310$173,240
6$49,640$198,560
7$55,970$223,880
8$62,300$249,200
2025 HHS Poverty Guidelines (used for 2026 ACA coverage-year eligibility). Verify annually at aspe.hhs.gov.

Required Contribution Percentages — 2026

% of FPLRequired Contribution Rate
100% – 132%2.10% (flat)
133% – 149%3.14% → 4.19% (linear interpolation)
150% – 199%4.19% → 6.60% (linear interpolation)
200% – 249%6.60% → 8.44% (linear interpolation)
250% – 299%8.44% → 9.96% (linear interpolation)
300% – 400%9.96% (flat)
Above 400%No subsidy (cliff)
IRS Rev. Proc. 2025-25 (applicable percentages for 2026 coverage year). Verify current year at irs.gov.

Formula: Required Contribution ($) = MAGI × applicable rate. If benchmark premium entered: Annual PTC = max(0, benchmark annual − required contribution), capped at actual premium. Monthly PTC = Annual PTC ÷ 12. Net monthly premium = benchmark monthly − monthly PTC (floor $0).

For informational purposes only. Not financial or medical advice. ACA rules change annually — always verify current thresholds and get your exact subsidy at healthcare.gov.

Get your exact 2026 subsidy → healthcare.gov