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    ACA Income & MAGI Calculator

    Estimate a household's Modified Adjusted Gross Income (MAGI), calculate the Federal Poverty Level percentage, and screen for potential ACA premium tax credit eligibility based on income.

    Income Screening & MAGI Estimator

    An educational tool for agents. Not a final eligibility determination.

    Income rules reviewed: January 2026 (Federal Register / HHS ASPE)
    Coverage Year 2027 benchmarks to 2026 HHS Poverty Guidelines (contiguous)

    Household & Income Inputs

    Enter coverage year, tax household size, state, and income sources.

    ACA statutory rules (26 CFR § 1.36B-1(h)) benchmark Marketplace eligibility against the prior year's published HHS guidelines.

    Tax filer + spouse (if filing jointly) + tax dependents.

    Applies 48 contiguous states & D.C. FPL guidelines.

    Add gross income for all members of the tax household.

    Source 1
    $
    Annualized: $42,000

    Optional: traditional IRA and HSA contributions reduce MAGI.

    $
    $

    Household Income & FPL Summary

    Annual Household MAGI$42,000
    Monthly MAGI$3,500
    Household Size: 1
    Coverage Year: 2027
    State: Florida
    FPL Region: contiguous
    100% FPL Amount: $15,960
    400% FPL Amount: $63,840
    Federal Poverty Level %:263.2%
    Preliminary Income Screen

    Within Potential APTC Income Range

    Your client's projected household income falls within the general income range for ACA premium tax credits. Additional eligibility requirements apply, and an actual tax credit is not guaranteed.

    • The premium tax credit amount also depends on the applicable benchmark plan premium.
    • APTC requires filing a federal tax return; married couples must generally file jointly.

    Important: This calculator is an educational tool that estimates household income and screens for potential ACA premium tax credit eligibility based on income alone. Actual eligibility depends on additional factors, including tax filing status, household composition, citizenship or eligible immigration status, access to qualifying employer-sponsored coverage, Medicaid or other government coverage eligibility, location, Marketplace enrollment, and applicable federal and state rules. Being within the income range does not guarantee eligibility or a positive tax credit amount. A final determination must be made through the appropriate Health Insurance Marketplace.

    Calculations run locally in your web browser. No entered financial or personal information is sent to a server or saved.

    Ready to run the numbers for a client?

    Pair this income screen with our other ACA calculators to model affordability, commissions, and ICHRA savings.

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