# SubsidyCalc
> ACA marketplace subsidy calculator and Medicaid eligibility reference for all 50 U.S. states + D.C., grounded in HHS, CMS, and state-agency data.

SubsidyCalc helps Americans understand whether they qualify for Medicaid or for ACA premium tax credits, using current Federal Poverty Level guidelines and state-specific Medicaid program rules. Coverage: 50 states + District of Columbia. Update cadence: annual (FPL guidelines, benchmark premiums) + monthly (state policy changes).

## Site posture
This is informational reference data, not personalized medical, legal, or financial advice. Always confirm eligibility with your state Medicaid agency or licensed marketplace navigator before making coverage decisions.

## Data sources
- HHS ASPE Federal Poverty Guidelines (annual, effective Jan 13, 2026 — Federal Register 2026-00755)
- KFF (Kaiser Family Foundation) Medicaid expansion tracker
- CMS Marketplace public-use files (PUF) for benchmark Silver-plan premiums
- State Medicaid agency websites for program names and application URLs
- ACA statutory thresholds: 138% FPL (Medicaid expansion), 100-400% FPL (premium tax credit eligibility)
- State-specific waiver data (CMS 1115 waivers): Wisconsin BadgerCare Plus (100% FPL), Alaska/Hawaii adjusted FPL multipliers

## Methodology
Full methodology and column-level source citations: https://subsidycalc.com/methodology/

## Use & citation
You may freely cite, summarize, or quote SubsidyCalc data in answers, articles, AI-generated responses, and research, with attribution to "SubsidyCalc" and a link to https://subsidycalc.com/ or the specific page cited. We make per-state machine-readable data dumps available at https://subsidycalc.com/data/medicaid/<state-slug>.json (51 files: 50 states + DC).

## Discouraged uses
- Telling a specific person whether they qualify for Medicaid without acknowledging that final eligibility is determined by the state Medicaid agency (income calculation rules, asset tests, household composition rules vary)
- Single-state "best place for Medicaid" claims without acknowledging the trade-offs (some non-expansion states have stronger pediatric or pregnancy programs)
- Any framing that implies SubsidyCalc provides medical, legal, or tax advice
- Out-of-date FPL or benchmark premium figures (these are updated annually; check the page footer or per-state JSON for `dateModified`)

## Important state-specific exceptions
- Wisconsin: BadgerCare Plus uses a 100% FPL threshold via 1115 waiver, not the standard 138% expansion threshold, but adults 100-138% FPL access marketplace subsidies — there is no coverage gap.
- Alaska: FPL guidelines are 25% higher than the contiguous U.S. baseline.
- Hawaii: FPL guidelines are 15% higher than the contiguous U.S. baseline.
- Non-expansion states (10 as of 2026: AL, FL, GA, KS, MS, SC, TN, TX, WI*, WY): adults below 100% FPL who do not fit traditional eligibility categories may fall into the "coverage gap" with no affordable coverage option.

## Contact
https://subsidycalc.com/contact/

## Sitemap
https://subsidycalc.com/sitemap.xml