Published: June 23, 2026. Sample period: January to May 2026.
In a sample of 1,240 anonymized 2026 Marketplace households quoted through QuoteTurbo between January and May 2026, median APTC covered 68 percent of gross premium for households between 150 and 250 percent FPL. Above 400 percent FPL, APTC was zero in every observation.
Key Takeaways
- In a sample of 1,240 anonymized 2026 Marketplace households quoted through QuoteTurbo between January and May 2026, median APTC covered 68 percent of gross premium for households between 150 and 250 percent FPL. Above 400 percent FPL, APTC was zero in every observation.
- This study uses anonymized quote records from QuoteTurbo plan searches run between January 1 and May 31, 2026. We removed names, addresses, and contact fields. Each record includes household size, ages, ZIP code, projected MAGI, FPL percentage, gross benchmark premium, and calculated APTC.
- Households were grouped into FPL brackets: 100 to 150 percent, 150 to 200 percent, 200 to 250 percent, 250 to 400 percent, and above 400 percent. We report median gross premium, median APTC, and median net premium per bracket.
- Sample is limited to households brokers quoted in QuoteTurbo, not all Marketplace enrollments.
Methodology
This study uses anonymized quote records from QuoteTurbo plan searches run between January 1 and May 31, 2026. We removed names, addresses, and contact fields. Each record includes household size, ages, ZIP code, projected MAGI, FPL percentage, gross benchmark premium, and calculated APTC.
Households were grouped into FPL brackets: 100 to 150 percent, 150 to 200 percent, 200 to 250 percent, 250 to 400 percent, and above 400 percent. We report median gross premium, median APTC, and median net premium per bracket.
This is not a nationally representative survey. Observations cluster in states where QuoteTurbo traffic is highest: Texas, Florida, Georgia, North Carolina, Pennsylvania, and Ohio account for 61 percent of the sample.
Findings by FPL bracket
| FPL bracket | Median outcome | Notes |
|---|---|---|
| 100 to 150% FPL | Median net premium $42/mo | Median APTC covered 82% of gross premium. CSR eligible Silver plans were selected in 74% of quotes in this band. |
| 150 to 200% FPL | Median net premium $118/mo | Median APTC covered 71% of gross premium. Silver remained the most quoted tier at 68%. |
| 200 to 250% FPL | Median net premium $198/mo | Median APTC covered 58% of gross premium. Bronze share increased to 41% of quotes. |
| 250 to 400% FPL | Median net premium $312/mo | Median APTC covered 39% of gross premium. Enhanced subsidy rules kept most households in this band subsidized. |
| Above 400% FPL | Median net premium equals gross | APTC was zero in 100% of observations above 400% FPL under 2026 rules in this sample. |
Illustrative medians from an anonymized sample. Actual premiums, APTC, and cost sharing depend on rating area, household composition, and the specific plan year.
Limitations
- Sample is limited to households brokers quoted in QuoteTurbo, not all Marketplace enrollments.
- Projected MAGI at quote time may differ from final IRS reconciliation.
- State distribution reflects product traffic, not national enrollment share.
- Illustrative medians. Individual households vary by rating area, ages, and tobacco status.
Calculation rules for APTC and SLCSP are documented on QuoteTurbo methodology.
