ACA · Subsidy Check

Subsidy Check

Estimate your Premium Tax Credit and Cost-Sharing Reduction in 60 seconds.

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Estimate your subsidy

Enter four numbers. We'll estimate your Premium Tax Credit against the NJ benchmark Silver plan and flag any Cost-Sharing Reductions you qualify for.

NJ ZIP code

Age of primary applicant

Household size (including you)

Expected household MAGI for 2026 ($)

Modified Adjusted Gross Income — line 11 on your 1040 plus a few adjustments.

Disclaimer: This estimator is for planning purposes only. Actual subsidies are determined by Get Covered NJ based on the 2nd-lowest-cost Silver plan in your specific county. Premiums vary by carrier, tobacco use, and exact birthdate. Always confirm with a licensed NJ advisor before enrolling.