ACA / Marketplace
2026 ACA subsidy calculator for Florida
Enter your county, ages and income. We apply the 2026 Federal Poverty Line tables and your county rating area to estimate your premium tax credit — before you ever touch HealthCare.gov.
How the estimate works
1. Your county rating area
Marketplace premiums are priced by county rating area, not by a national average. We use benchmark silver premiums for all 67 Florida counties — second-lowest-cost silver in your area.
2. The 2026 applicable-figure table
Your expected household contribution is a percentage of your income, from the 2026 Federal Poverty Line table — 100% to 400% of FPL. Your credit is the benchmark silver premium minus that contribution.
3. Cost-sharing reduction screening
Under 250% of FPL, CSR bands make silver plans richer than their metal tier — lower out-of-pocket maximum and higher actuarial value. We screen it and flag it in your result.
4. The Florida Medicaid gap
Florida has not expanded Medicaid. Under 100% FPL, marketplace credits generally do not apply — we screen the gap with you and point to CHIP and other options where they fit.
Estimate questions we hear
Is this calculator free?
Yes — the estimate is free, happens on this page, and sends nothing anywhere. If you want a human review of the number, book a free 30-minute call below.
Why does my premium change by county?
Rating area. The same 62-year-old in Miami-Dade and Escambia sees different benchmark silver premiums — sometimes by hundreds of dollars a month.
What income counts?
Gross income before taxes, for everyone on the application — wages, self-employment, Social Security, and other taxable income. The Marketplace uses projected annual income for the coverage year.
Does tobacco use change my estimate?
Yes — tobacco rating can raise premiums in Florida. The estimate applies a tobacco rating factor when any adult on the application uses tobacco.