| Income (% of poverty level) | Expected contribution (% of income) |
|---|---|
| up to 133% | 2.10% |
| 133% – 150% | 3.14% – 4.19% |
| 150% – 200% | 4.19% – 6.60% |
| 200% – 250% | 6.60% – 8.44% |
| 250% – 300% | 8.44% – 9.96% |
| 300% – 400% | 9.96% |
Worked example
Single person, $60,000 income, 2026 coverage: poverty level = $15,650, so income is 383% of the poverty level. Expected contribution 9.96% × $60,000 ÷ 12 = $498/month. If the benchmark silver plan costs $700/month, the credit is about $202/month.
Poverty levels used: 2025 HHS poverty guidelines (used for 2026 coverage). See poverty level table. Source: IRS Rev. Proc. 2025-25 (9.96%). Estimate yours with the marketplace calculator.
General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.