Estimate your 2026 premium tax credit eligibility based on your household size and income. Results are instant, client-side, and completely free.
Please select a household size and enter your annual income.
Based on 2026 Federal Poverty Level guidelines for Florida
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Important: This is an estimate only, not a guarantee of any specific subsidy amount. Actual premium tax credits depend on the specific plans available in your zip code, your confirmed household income, and final determination through HealthCare.gov or a licensed enrollment entity. Cost-sharing reductions (available on Silver plans between 100%–250% FPL) may reduce your out-of-pocket costs further and are not reflected in this estimate.
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This tool uses the 2026 Federal Poverty Level (FPL) guidelines to estimate your ACA subsidy eligibility. Your FPL percentage is calculated by dividing your household income by the FPL for your household size. The estimated monthly credit range is based on published subsidy calculation formulas using conservative benchmark premium assumptions.
For the most accurate figure, compare actual plans in your area — the credit amount shown on HealthCare.gov or provided by a licensed advisor will reflect the real plans and premiums available at your zip code. Learn more about how ACA subsidies work.
Sunstate Coverage is an independent insurance resource serving Florida residents. We are not affiliated with the federal government, HealthCare.gov, or any specific insurance carrier. Plan availability and pricing vary by zip code and eligibility. Licensed advisors are available in Florida. This site does not provide legal or financial advice.