2027 health insurance subsidy calculator

Enter your state, household size and expected 2027 income. The calculator shows where you fall against the federal poverty level, the share of income you are expected to pay for the benchmark silver plan, and whether Medicaid or a premium tax credit is the likely route.

Rules checked October 10, 2026

Your state

People in your household

Expected 2027 household income ($)

Benchmark plan price ($, optional)

You expect to pay about $289 a month

That is 8.68% of your income for the benchmark silver plan, at 251% of the poverty level. Add the benchmark plan price above to see your tax credit.

Poverty level used: $15,960 for 1 person (2026 guidelines).

Florida open enrollment dates, marketplace and Medicaid rules

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This is an estimate for general information, not an insurance quote or advice. Confirm dates and costs with your plan, your marketplace or Medicare.

How is the estimate worked out?

Your income is compared with the 2026 federal poverty guidelines, which the IRS uses for 2027 coverage. The IRS table for 2027 sets the share of income you are expected to pay for the benchmark plan, from 2.15% at the lowest incomes up to 10.22% between 300% and 400% of the poverty level. Within each income band the percentage rises smoothly. If you add the monthly price of your area's benchmark silver plan, your tax credit is that price minus your expected monthly premium.

What does it leave out?

Your actual credit depends on the real prices in your county, the ages of everyone covered and your final income on your tax return. People who qualify for job-based coverage, certain immigrants and others have special rules. Treat the result as a starting point, then get exact prices from a licensed agent or the marketplace.

Want a person to check the numbers?

A licensed agent compares plans and explains the tradeoffs. It costs you nothing.

Get help

Or call (321) 485-9988 About ACA marketplace plans

Common questions

Is there an income limit for 2027 savings?

Yes. The premium tax credit is for households between 100% and 400% of the federal poverty level. Above 400% there is no credit.

Which poverty level numbers does this use?

The 2026 federal poverty guidelines: $15,960 for one person plus $5,680 for each additional person in the 48 states, and $19,950 plus $7,100 in Alaska. These apply to 2027 coverage.

Where do I find the benchmark silver plan price?

Preview plans on HealthCare.gov or your state marketplace without logging in. The benchmark is the second-lowest-cost silver plan for your area and ages. A licensed agent can look it up for you.