The fastest way to find out if you qualify for subsidies is to call us. We can run your eligibility in a few minutes using your household size, estimated income, and ZIP code, and give you a real number rather than a rough estimate.
ACA subsidies come in two main forms. Premium Tax Credits (PTCs) reduce your monthly premium, and Cost-Sharing Reductions (CSRs) lower your deductible, copays, and out-of-pocket costs when you use care. Both are calculated based on your household's income relative to the Federal Poverty Level (FPL).
For 2026, here's what you need to know about subsidy eligibility:
- Premium Tax Credits are available to households earning between 100% and 400% of the FPL. For a family of four, that's roughly $32,150 to $128,600.
- The enhanced subsidies that were available from 2021 through 2025 expired on December 31, 2025 and were not extended. If your subsidy amount changed for 2026, this is why.
- Cost-Sharing Reductions are only available on Silver-tier plans and for households earning at or below 250% of the FPL (about $80,375 for a family of four).
- If your income is below 100% FPL and your state has expanded Medicaid, you likely qualify for Medicaid rather than Marketplace subsidies.
Subsidy amounts also vary by location, since they're tied to the benchmark Silver plan cost in your area. Two families with the exact same income and household size can receive different subsidy amounts depending on where they live.
The only way to know your specific number is to run it. Call us at (305) 330-1277 or See what you qualify for and we'll calculate your eligibility and show you what plans look like after your tax credit is applied.
.svg)
