Your 2026 numbers.
Example amounts shown. Replace them with your own Marketplace quotes. Assumes the same premiums for all 12 months.
$
100% FPL400%600%
MAGI includes adjusted gross income plus tax-exempt interest, nontaxable Social Security, and excluded foreign income. Include tax-family members required to file.
Tax family size
You, your spouse if filing jointly, and dependents claimed. Poverty guideline: .
$
Second-lowest-cost Silver plan (SLCSP) for your household. It depends on your ZIP code and the ages of everyone covered.
Look up your benchmark premium
HealthCare.gov SLCSP tax tool
Enter your ZIP code, coverage months, and each person's age. It shows the monthly SLCSP amount.
See plans & prices by ZIP code
Or use Form 1095-A, Part III, column B, if you already have Marketplace coverage.
$
Before any credit. The credit can't exceed this amount.
Your planning estimate
Monthly credit a year
You pay monthlySelected plan after credit
What $1 costs at the cliff.
Income annual credit · you pay /mo
Income $0annual credit · you pay /mo
Lost for $1 more income
Same premiums at both incomes. Isolates the credit effect only — not the income tax on the extra dollar.
How your credit is figured
Benchmark × 12
Your share
Credit