FPL calculator
Work out where your household income falls as a percentage of the federal poverty level.
Health tools ·
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.
In clients' words
What working with Viola looks like
Viola is amazing to work with she really helped my aunt get on the correct insurance plan that meet her health needs! It was so easy to communicate with Viola. She makes sure she reviews our plan every year and educates us on any changes. We have peace of mind which is hard to come by with health insurance!
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Estimates only. 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.
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.
More free tools
COBRA vs Marketplace
Compare what COBRA would cost you against a Marketplace plan for the rest of the year.
Special Enrollment checker
Find out in about a minute whether a recent life event lets you enroll outside Open Enrollment.
Family glitch calculator
Your job offers health insurance, but covering the family costs a lot. Check whether your spouse and children can get a Marketplace tax credit anyway.
HSA tax savings calculator
See how much tax a Health Savings Account contribution could save you in 2026, within the IRS limits.
Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
We speak insurance, so you don't have to.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776