US Health Insurance Calculator
ACA Marketplace · Updated for 2026 · Federal APTC Estimator
IRS Rev. Proc. 2025-25 · 2025 FPL Guidelines · KFF 2026 Benchmark PremiumsWhat changed in 2026 vs 2025
- Enhanced subsidies (IRA / ARPA) expired Dec 31, 2025 โ contribution percentages sharply increased
- 400% FPL “subsidy cliff” returned โ no APTC above 400% FPL
- Average premiums rose ~18% vs 2025 (KFF / Bipartisan Policy Center)
- 2026 benchmark Silver plan national average: $625/mo (was ~$530 in 2025)
- Average deductible: $5,304 Silver · $7,186 Bronze
- Required contribution at 200% FPL: 6.6% (was 2% in 2025)
Important 2026 Notice: Many people who paid $0 or very little in 2025 now face significantly higher premiums. Eligibility for cost-sharing reductions (CSR) on Silver plans still applies for 100โ250% FPL enrollees.
Personal Information
No
Yes (+50% surcharge โ not covered by APTC)
Household & Income (MAGI)
$
Plan Tier (Metal Level) โ ACA 2026
Bronze
Lowest premium
60% AV
Silver
APTC benchmark
70% AV
Gold
Lower deductible
80% AV
Platinum
Max coverage
90% AV
APTC is calculated against the Silver (SLCSP) benchmark. Choosing Bronze saves money; choosing Gold/Platinum costs extra out of pocket.
Coverage Details
No
Yes (+$48/mo)
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