Tool
2027 ACA subsidy calculator
Pick your state, enter your household, and see what the 2027 rules actually give you. Built on the published percentage table, not a rule of thumb.
Your household
Use the income you expect to report for 2027, not last year’s. Subsidies are settled against what you actually earn.
Florida’s published 2026 benchmark was $683 a month for a 40-year-old. Insurers there have proposed 15.9% for 2027, which projects to about $792.
Modified adjusted gross income for everyone on your tax return.
Including anyone you claim as a dependent.
Monthly, for your whole household. Entering the real figure from your county replaces the estimate and makes the credit below exact.
What the 2027 rules give you
Your numbers appear here
Fill in your income, the people on your tax return, and your age. The math updates instantly as you type — nothing is stored, no email needed.
How this is calculated, and where it is only an estimate
Exact. Your poverty percentage and your expected contribution come straight from the 2026 HHS poverty guidelines and the 2027 applicable percentage table in IRS Rev. Proc. 2026-26. The percentage is interpolated within your income band, which is how the IRS does it. The 400% cliff is a hard statutory edge, not a taper.
Projected. The benchmark starts from KFF’s published 2026 figure for your state, carried forward by the rate increase insurers there have proposed for 2027, then scaled by the federal standard age curve for your household. Rates are filed but not yet approved, and benchmarks are set county by county rather than statewide. The national 2026 average was $625 and states ranged from $401 to $1,299, so your county could sit well away from your state’s average.
This is an educational estimate, not a quote, an offer of coverage, or tax advice. Final eligibility and pricing are determined by the Marketplace and the issuing carrier. Base rate used for this state: $620 per month for a 21-year-old.
What this calculator is doing
A premium tax credit is not a discount a carrier chooses to give you. It is a formula written into the tax code, and it works backwards from a number the government decides you can afford.
First, your income is expressed as a percentage of the federal poverty level for your household size. A single person uses $15,960 as the 100% line for 2027 coverage; a family of four uses $33,000. Note the year: 2027 coverage uses the poverty guidelines published in 2026. Getting that one year wrong is the single most common mistake people make when they try this on paper.
Second, that percentage maps to an applicable percentage, which is the share of your income the law says you should pay toward a benchmark plan. It runs from 2.15% at the bottom to 10.22% at the top of the eligible range. Multiply, and you have your expected annual contribution.
Third, the credit is whatever is left after your contribution is subtracted from the benchmark premium where you live. If the benchmark costs more than your contribution, the difference is your credit. If your income is above 400% of the poverty level, there is no third step, because there is no credit.
Where the numbers come from
- Poverty guidelines: the 2026 HHS figures published in the Federal Register in January 2026, which govern 2027 coverage.
- Applicable percentages: IRS Rev. Proc. 2026-26, issued July 21, 2026. These are the pre-2021 percentages. The enhanced schedule expired.
- Benchmark premiums: KFF’s published 2026 state averages for the second-lowest-cost silver plan for a 40-year-old, weighted by county plan selections, projected forward using the average rate increase filed in that state for 2027.
- Age pricing: the CMS default standard age curve, under which a 64-year-old pays exactly three times what a 21-year-old pays for the same plan.
When to stop using a calculator and call someone
A calculator is good at arithmetic and bad at judgment. Call a licensed agent if your income is variable or hard to predict, if you are within a few thousand dollars of the cliff, if you are choosing between an employer plan and the Marketplace, if you have prescriptions or specialists you cannot lose, or if you are somewhere between 55 and 65 and trying to reach Medicare without a disaster in between. Those are all situations where the cheapest premium and the cheapest year are different answers.
You can also reach HealthCare.gov directly, or use KFF’s calculator as a second opinion. Cross-checking a number this consequential is sensible.
Common questions
Are the enhanced subsidies coming back for 2027?
Not as of August 2026. The enhanced credits expired on December 31, 2025. The House passed a three-year extension in January 2026 by 230 to 196, but the Senate never passed a matching bill, and nothing has been signed into law. This calculator therefore uses the pre-enhancement percentage table, which is what the law currently says. If Congress acts, the figures here change materially and this page will be updated.
What income should I enter?
Your expected modified adjusted gross income for 2027, for everyone on your tax return. That is adjusted gross income plus any tax-exempt interest, non-taxable Social Security benefits, and excluded foreign income. It is a forecast, not last year's number, because the credit is reconciled against what you actually earn.
Why does the calculator ask for my state?
Because the credit is calculated against the second-lowest-cost silver plan where you live, and that figure varies enormously. In 2026 the published state averages ran from $401 a month in New Hampshire to $1,299 in Vermont, for the same 40-year-old. A national average would give most people a wrong answer.
How accurate is the result?
The half that depends only on law is exact: your poverty percentage, your applicable percentage, your expected contribution, and whether you are over the cliff. The half that depends on prices is a projection, because 2027 rates are filed but not yet approved and benchmarks are set county by county rather than statewide. If you enter your actual benchmark premium, the credit becomes exact too.
What happens if I earn one dollar over the limit?
You lose the entire premium tax credit for the year. There is no taper above 400% of the federal poverty level. For an older couple that single dollar can be worth more than $15,000. This is why the calculator shows how much headroom you have left.
Does the calculator include cost-sharing reductions?
It tells you whether you qualify and at what level, but it does not price them. Cost-sharing reductions lower your deductible and out-of-pocket maximum rather than your premium, they were not affected by the expiration of the enhanced credits, and they only apply if you buy a silver plan.
Sources
- 1.IRS Rev. Proc. 2026-26 (2027 applicable percentages)
- 2.HHS 2026 Poverty Guidelines, 91 FR 1797
- 3.CMS 2027 Payment Parameters Guidance
- 4.KFF: Preliminary 2027 rate filings
- 5.Peterson-KFF: How much and why premiums are rising in 2027
- 6.Congressional Research Service R48290: Enhanced premium tax credit
Marketplace rules change through legislation, rulemaking, and litigation. Confirm anything you are about to act on, or call and ask.
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