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.
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
| Size | 100% FPL | 400% 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
| Size | 100% FPL | 400% 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
| Size | 100% FPL | 400% 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 | $249,200 |
Required Contribution Percentages — 2026
| % of FPL | Required Contribution Rate |
|---|---|
| 100% – 132% | 2.10% (flat) |
| 133% – 149% | 3.14% → 4.19% (linear interpolation) |
| 150% – 199% | 4.19% → 6.60% (linear interpolation) |
| 200% – 249% | 6.60% → 8.44% (linear interpolation) |
| 250% – 299% | 8.44% → 9.96% (linear interpolation) |
| 300% – 400% | 9.96% (flat) |
| Above 400% | No subsidy (cliff) |
Formula: Required Contribution ($) = 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.