ACA Subsidy Expiration Calculator

See how much your health insurance premiums could increase when enhanced ACA subsidies expire on December 31, 2025.

Enhanced ACA subsidies that lower your premiums expire December 31, 2025. Use this calculator to see your potential cost increase.

Calculate Your Premium Increase

For comparison/validation purposes
Methodology & Data Sources▼

Data Sources

How We Calculate

  • • Benchmark premiums use age brackets (21, 27, 30, 40, 50, 60, 64) with linear interpolation for ages between brackets
  • • Age ranges* are converted to midpoint values for calculations (e.g., 21-29 range uses age 25)
  • • State cost factors adjust premiums based on regional healthcare costs
  • • Subsidies calculated using income-based percentage caps (enhanced ACA: 0-8.5%, original ACA: 2-9.5%)
  • • For households with multiple people, we use the second-oldest person's age (ACA rule)

Limitations

  • • Estimates based on average benchmark premiums; actual premiums vary by county and plan availability
  • • Assumes second-lowest-cost Silver plan pricing
  • • Does not include cost-sharing reductions (CSRs) or plan-specific costs
  • • For informational purposes only; verify with healthcare.gov for actual premiums
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