Marketplace subsidy from the applicable-percentage table.
Open the ACA Premium Tax Credit tool →If you buy health coverage on the marketplace, the premium tax credit caps what you pay for a benchmark plan at a set share of your income. We compute that expected contribution (your income times the applicable percentage for your income relative to the federal poverty line) and subtract it from the benchmark premium to estimate your monthly credit. The ARPA/IRA-enhanced subsidies expired at the end of 2025, so for 2026 the applicable percentages rise across the board and the 400%-of-poverty cliff returns: above that line there is no credit and you pay the full premium.
The applicable-percentage table is bundled and cited. The one figure that's local, the benchmark (second-lowest-cost silver) plan premium for your county and ages, you enter yourself; look it up with the HealthCare.gov plan preview or your state marketplace. The actual credit is reconciled on your tax return (Form 8962) against your real income, so treat this as an estimate.
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