Estimate Your Subsidy
This Advanced Premium Tax Credit (APTC) calculator provides an up-to-date estimate of your 2026 subsidy. The information you enter needs to match the information you gave to the Marketplace or the information from your renewal kit. This is the only way the calculator will be accurate. This estimate does not guarantee that you will receive financial assistance. The Marketplace makes the final determination of eligibility.
Note: to see your actual 2026 subsidy, go to Blue Connect on or after November 1st or refer to your January invoice. This calculator is intended for customers under the age of 65.
| 2026 Monthly Premium | {{numberWithCommas(premium.toFixed(2))}} |
| 2026 Subsidy Estimate | -{{numberWithCommas(estimate.subsidyAmount.toFixed(2))}} |
| * Estimated Monthly Payment | {{premium - estimate.subsidyAmount <= 0 ? '0.00' : numberWithCommas((premium - estimate.subsidyAmount).toFixed(2))}} |
Note: If you or any dependents are eligible for Medicaid, the Children's Health Insurance Program (CHIP), Medicare, military coverage, or have access to affordable health insurance through an employer (including spousal and dependent coverage) you are not eligible for subsidies from the federal government. If you are a married couple, you must file income taxes jointly for the 2026 tax year to be eligible for subsidies from the federal government.
Note: You should use this estimate for informational purposes only. Estimates are based on the second lowest silver plan for your region. Estimates assume your household is not eligible for unused subsidy credits through another insurance carrier and that the household purchases one plan.
Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.
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