MNsure Subsidy Calculator (2026)

Will you qualify for a subsidy?

Enter two numbers and see where your household falls for 2026 — Medical Assistance, MinnesotaCare, or a premium tax credit on MNsure — plus an estimate of what you’d be expected to pay. It all stays in your browser.

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Household size Everyone on your tax return, including you

Estimated total household income for 2026 Use your expected adjusted gross income (MAGI)

This is an educational estimate based on the 2025 federal poverty guidelines used for 2026 coverage and the 2026 contribution scale. Your actual premium tax credit depends on the benchmark Silver plan in your county and your age, and Minnesota’s Medical Assistance and MinnesotaCare programs have their own rules. Nothing here is a determination of eligibility — we’ll confirm your real numbers for free.

Good to Know

Questions about this calculator

It’s a solid ballpark based on the 2025 poverty guidelines used for 2026 coverage and the 2026 contribution scale. Your actual premium tax credit depends on the benchmark Silver plan in your specific county and your age, which this tool doesn’t know. Treat it as a starting point, then let us confirm the exact figure.

Because that’s the part the formula can pin down from your income alone. The credit equals the benchmark plan’s premium minus your expected contribution — and the benchmark premium varies by county and age. The most honest number we can show from income is your expected contribution.

The enhanced premium tax credits from 2021–2025 expired at the end of 2025. That means smaller credits for many households and the return of the 400%-of-poverty “subsidy cliff,” above which credits generally aren’t available.

No. This calculator runs entirely in your browser — nothing you type is sent to us or stored. If you’d like a real quote, you can share your details through the form below.

Yes — we’re certified MNsure assisters and local brokers. We’ll confirm your subsidy, compare plans for your doctors and prescriptions, and handle the enrollment with you at no cost.

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