Plan health insurance for the years between early retirement and Medicare. Honest math on your ACA premium tax credit, the restored 400% FPL cliff, and how Roth conversions and capital gains move your net premium.
Estimate your 2026 ACA marketplace premium tax credit for early retirement. See your net premium, the restored 400% FPL subsidy cliff, and how MAGI from Roth conversions and capital gains changes what you pay.
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No — it's a national-average estimate. The tool uses an estimated U.S. average benchmark (second-lowest-cost silver) premium and the federal default age curve. Real premiums vary widely by state and county, and the benchmark plan isn't necessarily the plan you'd choose. Use it to plan MAGI, then get your real quote at healthcare.gov.
For 2026 the enhanced ARPA/IRA subsidies expired, restoring the original rule: households with MAGI above 400% of the federal poverty level get zero premium tax credit. Crossing the line by even $1 can cost thousands per year in lost credits — the calculator shows your exact headroom and the dollar cost of crossing.
Both count toward MAGI, which sets your subsidy. Advanced mode builds MAGI from base income, planned Roth conversions, realized capital gains, and pre-tax deductions (HSA, Traditional 401k) — so you can see the net-premium cost of each extra $10k of conversions before you make them.