About ACA Subsidy Guide
Free tools and education to help Americans navigate the 2026 health insurance landscape.
Our Mission
The expiration of enhanced ACA subsidies at the end of 2025 left millions of Americans facing dramatically higher health insurance costs. Many don't realize how much their premiums will change, or what options they have.
ACA Subsidy Guide exists to bridge that knowledge gap. We provide free, accurate tools and plain-language guides to help you understand your situation and make informed decisions about your healthcare coverage.
We believe everyone deserves to understand how health insurance subsidies work — without needing a policy degree or paying a consultant.
Our Methodology
Our calculator and guides are based on:
- 📊2025 Federal Poverty Level Guidelines published by the U.S. Department of Health and Human Services
- 📊ACA premium tax credit formulas as defined in the Affordable Care Act (26 U.S.C. § 36B) and applicable IRS regulations
- 📊Enhanced subsidy rules from the American Rescue Plan Act (2021) and Inflation Reduction Act (2022)
- 📊National average benchmark premiums based on published CMS data on second-lowest-cost Silver plans
- 📊Age rating factors based on the federally established 3:1 age rating curve
Our estimates use national averages and may differ from your actual local premiums. For exact quotes, we always recommend visiting HealthCare.gov or your state's exchange.
What We Are Not
- ✕We are not licensed insurance agents or brokers
- ✕We are not affiliated with the U.S. government, CMS, or any insurance company
- ✕We do not sell insurance plans or receive commissions from insurers
- ✕We do not provide tax, legal, or financial advice
Contact Us
Have questions, corrections, or suggestions? We'd love to hear from you.
📧 Email: hello@acasubsidyguide.com
We read every email but may not be able to respond to individual coverage questions. For personalized help, please contact a licensed insurance navigator or broker in your state.
Ready to See Your Numbers?
Open Calculator →See How the 2026 Subsidy Cliff Affects You
Enter your income and household size for a personalized premium comparison.
Calculate Your 2026 Premium Impact →Related Resources
⚠️ Disclaimer
This calculator provides estimates for educational purposes only. It is not a substitute for professional advice. Actual premiums, subsidies, and eligibility may vary based on your specific circumstances, location, and available plans. We are not licensed insurance agents or brokers. For official information, visit HealthCare.gov or contact a licensed insurance professional. This site is not affiliated with the U.S. government, CMS, or any insurance company.