ACA (Obamacare) Health Insurance Subsidy Calculator 2026
Calculate your estimated premium tax credit and health insurance costs under the Affordable Care Act — the marketplace coverage most people know as Obamacare.
The 2026 ACA cliff sits at 400% of the Federal Poverty Level — $84,600 for a household of two. Cross it by $1 and you lose the entire premium tax credit, typically $12,000-$25,000 per year for early retirees. OBBBA restored the cliff and eliminated the repayment cap. The calculator below shows your exact subsidy and how close you are to the cliff.
For detailed technical documentation on ACA subsidy calculations, income thresholds, and cliff optimization strategies, see the QuantCalc Methodology page.
Your Information
Your Estimated ACA Subsidy
| Detail | Value |
|---|---|
| Federal Poverty Level (FPL) | $0 |
| Income as % of FPL | 0% |
| Expected Contribution (%) | 0% |
| Benchmark Premium (Monthly) | $0 |
| Expected Annual Contribution | $0 |
Ready to Plan Your Full Retirement Strategy?
Now that you know your ACA subsidy, optimize your full withdrawal strategy to stay under the cliff while funding your retirement. QuantCalc's Monte Carlo planner shows you exactly how much you can safely withdraw from taxable, Roth, and traditional accounts each year.
PRO unlocks: 10,000 simulations, forward-looking forecasts from multiple publicly available sources, portfolio optimizer, and PDF reports.
See this in your state
ACA cliff threshold (400% FPL) is federal, but the dollar damage of crossing it depends on state tax. Top-tax states (worst stack-up) and no-state-tax states (cleanest math):
Each state page has the federal-state-ACA stack-up worked out with a state-specific Roth conversion example, plus the state's 30-year Monte Carlo retirement success rate (from our 51-state research).