Estimate your ACA Marketplace premium tax credit, see the subsidy cliff impact, and check Silver-plan cost-sharing reduction eligibility.
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Consider an HSA-Eligible HDHP
A Bronze HDHP would cost ~$0/mo after subsidy and unlocks an HSA — triple-tax-sheltered savings. Best for healthy households.
| Federal Poverty Level (your size) | $21,150 |
|---|---|
| Your Income as % of FPL | 283.7% |
| Benchmark Silver (national est.) | $1020/mo |
| Annual Benchmark Silver | $12,240 |
| Applicable % of Income | 6.00% |
| Your Expected Contribution (annual) | $3,600 |
| Annual Premium Tax Credit | $8,640 |
| Monthly Subsidy | $720.00/mo |
| Monthly Cost to You (Silver) | $300.00/mo |
| Bronze Plan Net (after subsidy) | $0.00/mo |
| CSR Tier | Not eligible |
| Cliff Threshold (400% FPL) | $84,600 |
Educational only. Not financial advice. Tax laws change — verify with a CPA. Verify enrollment + premiums at HealthCare.gov. Benchmark Silver premiums vary widely by state, county, and carrier — your actual subsidy may differ.
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Households between 100-400% of FPL (and through 2025, above 400% under ARPA), without affordable employer coverage and not eligible for Medicare/Medicaid.
Pre-ARPA, earning above 400% FPL meant zero subsidy — a sharp cliff. ARPA capped premiums at 8.5% of income through 2025. The cliff returns in 2026 unless Congress extends.
CSR lowers your deductible, copays, and out-of-pocket max on Silver-tier plans. Available under 250% FPL when you enroll in a Silver Marketplace plan.
Generally no — if employer coverage is 'affordable' (under ~9.12% of income) and meets minimum value, you can't get a Marketplace subsidy. Dependents may still qualify after the family-glitch fix.
ACA MAGI = AGI + tax-exempt interest + non-taxable Social Security + foreign earned income excluded from tax. Different from Medicare IRMAA MAGI.
If you're healthy and want triple-tax-sheltered savings, yes. HSA limits for 2026 are roughly $4,300 single / $8,550 family. Pair with a Bronze HDHP to minimize premium.
Subsidy = Benchmark Silver Premium − (Income × Applicable %)
Applicable % rises with income on a sliding scale. ARPA caps at 8.5% of MAGI through 2025. Post-cliff (2026 if not extended) hits 9.86% then drops to zero above 400% FPL.
2025 FPL (48 states): $15,650 base + $5,500 per additional household member.
Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.
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Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.