FPL calculator
Work out where your household income falls as a percentage of the federal poverty level.
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2026 figures
Arizona ACA Subsidy Calculator 2026
Enter your household size, your estimated 2026 income, and roughly what a benchmark Silver plan costs in your county. This estimates the premium tax credit you could receive and what you would pay after it. Arizona uses HealthCare.gov as its official Marketplace.
- Built on published 2026 figures
- Everything runs in your browser
- Nothing you type is sent anywhere
- Free, with no email or sign-up
Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Uses the 2026 applicable percentage table from IRS Rev. Proc. 2025-25 (2.10% to 9.96% of income), interpolated within each band as the Marketplace does.
- The extra credits of 2021 to 2025 expired at the end of 2025, so in 2026 there is no premium tax credit above 400% of the poverty level.
- Based on the 2025 HHS poverty guidelines for the 48 contiguous states and DC, which apply to 2026 coverage.
- The benchmark plan is the second-lowest-cost Silver plan in your county, the figure the credit is calculated from.
- Below 100% of the poverty level, most Arizonans are pointed to AHCCCS, the state Medicaid program, rather than a tax credit.
- Credits are reconciled against your actual income on your tax return.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- HHS poverty guidelines 2025 (coverage year 2026) U.S. Department of Health and Human Services, 2025
- IRS Rev. Proc. 2025-25: 2026 applicable percentage table and required contribution percentage Internal Revenue Service, 2026
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real Marketplace plans for your ZIP code:
Rise Up Benefits Group is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
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Common questions
Who qualifies for an ACA subsidy in Arizona in 2026?
Generally, households with income between 100% and 400% of the federal poverty level who buy through HealthCare.gov and do not have an affordable job-based offer or other coverage. For a family of four, 400% is $128,600 for 2026 coverage.
Is there still a subsidy cliff at 400% of the poverty level in 2026?
Yes. The extra premium tax credits of 2021 to 2025 expired at the end of 2025, so in 2026 a household above 400% gets no premium tax credit. Expected contributions also rose to between 2.10% and 9.96% of income (IRS Rev. Proc. 2025-25).
What is the benchmark plan?
The second-lowest-cost Silver plan available to your household in your county. Your credit is the benchmark premium minus the share of income you are expected to pay, and you can use it on any metal level.
Where do Arizonans enroll in an ACA plan?
Arizona uses HealthCare.gov, the federal Marketplace. Open Enrollment for 2027 coverage starts November 1, 2026. We can help you compare plans and enroll at no cost to you.
Will I have to pay back my ACA subsidy?
You might. The tax credit is based on the income you expect, then reconciled on your tax return. If you earn more than you estimated, you may repay some or all of the extra credit; if you earn less, you may get more back. Report income changes to HealthCare.gov during the year to keep the difference small.
What if my income is below the poverty level in Arizona?
Below 100% of the poverty level most people cannot get a premium tax credit. In Arizona, most adults with income up to 138% of the poverty level qualify for AHCCCS, the state Medicaid program, instead, and you can apply any time of year. For one person, 100% is $15,650 for 2026 coverage.
What are cost-sharing reductions on an ACA plan?
Extra savings that lower deductibles, copays and out-of-pocket maximums, available only on Silver plans. For 2026 coverage they apply to households up to 250% of the poverty level, with the most help at the lowest incomes. If the calculator shows you qualify, compare Silver plans before you settle on another metal level.
Will the larger ACA subsidies come back for 2027?
As of mid-October 2026, Congress had not restored the enhanced credits that expired at the end of 2025, so the 400% limit still applies. Check HealthCare.gov when Open Enrollment opens on November 1, 2026, for the final 2027 rules. We update this calculator when new figures are published.
Does Social Security count as income for ACA subsidies?
Yes. Marketplace income is modified adjusted gross income, which includes all of your Social Security benefits, even the part that is not taxed, and tax-exempt interest. Supplemental Security Income (SSI) does not count. Enter your expected household income for the whole year, not one month.
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