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Premium Tax Credit (ACA) in Delaware 2026

Calculate your premium tax credit (aca) tax savings in Delaware. With Delaware's 6.6% top state tax rate, your combined savings are higher.

Delaware Tax Overview

State Income Tax
6.6%
progressive
Sales Tax
None
avg combined: 0%
Property Tax Rate
0.53%
Median Income
$72,724

No sales tax. Moderate income tax. Low property taxes (0.53%).

Delaware Income Tax Brackets (Single)

0%
$0 - $2,000
2.2%
$2,000 - $5,000
3.9%
$5,000 - $10,000
4.8%
$10,000 - $20,000
5.2%
$20,000 - $25,000
5.55%
$25,000 - $60,000
6.6%
$60,000 +
Your bracket
$5,000
Est. Total Savings
No Limit
Max Deduction
Tax Credit
Deduction Type
28.6%
Combined Tax Rate

Premium Tax Credit (ACA) Savings Calculator for Delaware

$
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Federal Savings

$5,000

22% bracket

Delaware State

$0

6.6% rate

Total Savings

$5,000

28.6% combined

Tax credits reduce your tax bill dollar-for-dollar, regardless of your tax bracket.

Savings by Tax Bracket in Delaware

10%
$5,000
12%
$5,000
22%
$5,000
24%
$5,000
32%
$5,000
35%
$5,000
37%
$5,000

Includes 6.6% Delaware state tax on top of federal savings.

Eligibility Requirements

Individuals who purchased health insurance through the ACA Marketplace

  • 1Household income 100-400% of federal poverty level
  • 2Not eligible for employer coverage or Medicare
  • 3Purchased through Healthcare.gov or state exchange

Delaware residents should verify that this deduction is also recognized on their state tax return for additional savings of up to 6.6%.

Common Mistakes to Avoid

  • !Not reconciling advance payments at tax time
  • !Forgetting to report life changes that affect eligibility
  • !Not filing Form 8962 and losing the credit
  • !Forgetting to claim the deduction on your Delaware state return (missing up to 6.6% additional savings)

Delaware Filing Tips

Take advantage of zero sales tax for major purchases. The state standard deduction is low ($3,250), so itemizing may help. Check reciprocity agreements with neighboring states.

Required Tax Forms

Form 8962Form 1095-A

File these forms with your federal tax return to claim the premium tax credit (aca). Delaware may require additional state-specific forms.

Other Tax Deductions in Delaware

Medical & Dental Expenses

Medical

~$3,900
est. savings

Self-Employed Health Insurance

Medical

~$6,500
est. savings

HSA Contribution Deduction

Medical

~$2,340
est. savings

Long-Term Care Insurance

Medical

~$2,600
est. savings

Medical Travel Expenses

Medical

~$1,040
est. savings

Flexible Spending Account (FSA)

Medical

~$1,170
est. savings

Medical Equipment & Devices

Medical

~$1,950
est. savings

Therapy & Counseling

Medical

~$2,600
est. savings

Premium Tax Credit (ACA) in Neighboring States

Maryland

5.75% top rate (progressive)

~$6,800
+1,800 vs Delaware

Pennsylvania

3.07% top rate (flat)

~$6,800
+1,800 vs Delaware

New Jersey

10.75% top rate (progressive)

~$6,800
+1,800 vs Delaware

Tax Calculators for Delaware Cities

Wilmington

Calculate Your Full Tax Savings in Delaware

Use our free tax calculators to optimize your entire tax return for Delaware.

Income Tax CalculatorDelaware Income TaxFull Premium Tax Credit (ACA) Guide

Frequently Asked Questions

How much can I save with the Premium Tax Credit (ACA) in Delaware?

In Delaware, the premium tax credit (aca) can save you an estimated $5,000 per year on a $5,000 deduction. This includes $5,000 in federal tax savings and $0 in Delaware state tax savings at the 6.6% marginal rate. The national average savings is $6,800/year.

What is the Delaware state income tax rate?

Delaware has a progressive income tax system with a top rate of 6.6%. No sales tax. Moderate income tax. Low property taxes (0.53%).

Who qualifies for the Premium Tax Credit (ACA) in Delaware?

Individuals who purchased health insurance through the ACA Marketplace. The eligibility requirements are the same whether you live in Delaware or another state, as this is a federal tax credit. However, your total savings will vary based on Delaware's 6.6% top state tax rate.

What tax forms do I need to claim the Premium Tax Credit (ACA) in Delaware?

To claim the premium tax credit (aca), you need to file Form 8962 and Form 1095-A with your federal return. Delaware residents should also check if the state allows this deduction on their state return for additional savings of up to 6.6%. Filing status affects your deduction limits and tax bracket.

Is the Premium Tax Credit (ACA) better in Delaware than in states without income tax?

Yes, Delaware residents benefit more because the state's 6.6% top income tax rate means the deduction reduces both your federal AND state tax liability. In states with no income tax (like Texas, Florida, or Nevada), this deduction only reduces federal taxes. Your combined rate of 28.6% means more savings per dollar deducted.

What is the standard deduction in Delaware for 2026?

Delaware's standard deduction is $3,250 for single filers and $6,500 for married filing jointly. Take advantage of zero sales tax for major purchases. The state standard deduction is low ($3,250), so itemizing may help. Check reciprocity agreements with neighboring states.

Related Calculators

Medical & Dental Expenses in Delaware

Avg savings: $3,000/year

Self-Employed Health Insurance in Delaware

Avg savings: $5,000/year

HSA Contribution Deduction in Delaware

Avg savings: $1,800/year

Long-Term Care Insurance in Delaware

Avg savings: $2,000/year

Medical Travel Expenses in Delaware

Avg savings: $800/year

Flexible Spending Account (FSA) in Delaware

Avg savings: $900/year