Compare 2026 Premium Tax Credits with and without Inflation Reduction Act (IRA) enhancements.
The Inflation Reduction Act enhanced ACA subsidies through 2025. This calculator shows what your credits would be in 2026 with and without extending these enhancements.
Key Differences:
- With IRA Extension: No income cap, lower premium contributions (0-8.5% of income)
- After IRA Expires: 400% FPL cap ("subsidy cliff"), higher contributions (2-9.5% of income)
Visit https://policyengine-aca-calc.streamlit.app/ to use the calculator immediately.
# Install dependencies
pip install -r requirements.txt
# Run the app
streamlit run app.pyThe app will open at http://localhost:8501
- ✅ All 50 States + DC: Accurate calculations for every jurisdiction
- ✅ 3,143 Counties: County-specific marketplace pricing
- ✅ Real-time Comparison: Side-by-side baseline vs. IRA extension
- ✅ Interactive Charts: See how credits change across income levels
- ✅ Household Flexibility: Single, married, with/without dependents
| Scenario | Income | Baseline PTC | With IRA | Savings |
|---|---|---|---|---|
| NJ Family of 3 | $50,000 | $8,515 | $10,626 | $2,111/year |
| TX Couple (Travis) | $60,000 | $6,974 | $9,195 | $2,221/year |
| CA Couple + Child | $75,000 | $12,913 | $15,695 | $2,782/year |
| NY Single @ 400% FPL | $62,280 | $0 | $2,899 | $2,899/year |
Built with:
- PolicyEngine US: Open-source tax-benefit microsimulation
- Streamlit: Interactive web interface
- Plotly: Data visualization
County data sourced from PolicyEngine's ACA rating areas database.
.
├── app.py # Main Streamlit application
├── counties.json # County data for all states
├── process_counties.py # County data processor
├── requirements.txt # Python dependencies
├── tests/ # Test files
├── notebooks/ # Analysis notebooks
└── archive/ # Historical files
# Run tests
python tests/test_reform_verification.py
# Update county data
python process_counties.pyOpen source - see PolicyEngine US license for underlying calculations.
Calculations powered by PolicyEngine US