How Much Can You Save on Health Insurance?
Enter your household income and size to instantly estimate your 2026 premium tax credit. Based on official IRS and HHS data.
Quick Answer
ACA premium tax credits (subsidies) in 2026 are available to individuals and families earning between 100% and 400% of the Federal Poverty Level who don't have access to affordable employer coverage. For a single person in Corpus Christi, Laredo, McAllen, Harlingen, San Antonio, Victoria, or anywhere in South Texas, that's roughly $15,960 to $63,840 per year. The enhanced subsidies that were available through 2025 have expired — the 400% FPL cliff is back.
Use the calculator below to estimate your 2026 subsidy. For a personalized quote with actual plan options, see our Individual & Family Health Insurance page or call Jay Gutierrez directly.
2026 Update: The enhanced ACA subsidies expired on December 31, 2025. The 400% FPL income cap has returned. If your income is above ~$63,840 (single) or ~$131,960 (family of 4), you may no longer qualify for a subsidy. Call us to explore your options.
Calculate Your Savings
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$412
Avg. Monthly Savings
500+
Families Helped
10+
Years of Experience
How ACA Subsidies Work in 2026
The rules changed this year. Here's what you need to know.
100%–400% FPL: Subsidy Zone
If your income falls in this range, you qualify for a premium tax credit. The lower your income, the bigger your subsidy. Enhanced subsidies expired — the 400% cap is back for 2026.
100%–250% FPL: Extra Savings
At this income level, you also qualify for Cost-Sharing Reductions (CSR) on Silver plans — dramatically lower deductibles and copays. This is often the best value tier.
Over 400% FPL: Subsidy Cliff
The subsidy cliff returned in 2026. One dollar over 400% FPL means $0 in subsidies. A licensed agent can help you plan around this and explore all your options.
Frequently Asked Questions
Common questions about ACA subsidies and the 2026 changes
Ready to Find Your Best Plan?
Jay Gutierrez is a licensed Texas health insurance agent serving Corpus Christi, Laredo, McAllen, and all of South Texas. Get a free, no-obligation consultation.
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