If you’re feeling confused about the expiration of Enhanced Premium Tax Credits (EPTCs), and the increased cost of your 2026 Marketplace plan premium—you’re not alone. We’re here to help. Use the subsidy calculator below to estimate your monthly premium cost or read through our list of commonly asked questions to better understand how subsidy changes impact you.
Most Marketplace members receive a Premium Tax Credit (PTC) (also called a subsidy) to help cover the cost of their monthly health plan premium. These PTCs are determined based on income and family size. With PTCs, you share the cost of your monthly premium payment with the government, each paying a portion of your monthly premium.
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