ACA subsidy calculator
Estimate your premium tax credit and what a benchmark Silver plan might cost you each month.
Health tools ·
2026 figures
Federal Poverty Level Calculator for Arizona 2026
Most health coverage thresholds are set as a percentage of the federal poverty level (FPL). This works out yours and shows which Marketplace savings bands that percentage puts you near.
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 2025 HHS poverty guidelines for the 48 contiguous states and DC, which apply to 2026 Marketplace coverage.
- Household size means everyone on your tax return, not everyone living in your home.
- Income means modified adjusted gross income (MAGI), which is not the same as take-home pay.
- AHCCCS, Arizona’s Medicaid program, sets its own limits. Check with AHCCCS or talk it through with us.
- 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
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
What is the federal poverty level for 2026 health coverage?
2026 Marketplace coverage uses the 2025 HHS guidelines: $15,650 for one person plus $5,500 for each additional person, in the 48 contiguous states.
Which income counts for the federal poverty level?
Modified adjusted gross income for everyone on your tax return. It is close to your adjusted gross income, plus some untaxed items such as tax-exempt interest and untaxed Social Security.
Who counts in my household size?
Everyone on your federal tax return: you, your spouse if you file jointly, and anyone you claim as a dependent, whether or not they need coverage.
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