ACA Income Limits 2027: Subsidy Chart by Household Size

Reviewed by Bradley Vilsaint, licensed health insurance broker

For 2027 coverage you qualify for an ACA subsidy if your household income is between $15,960 and $63,840 for one person, or between $33,000 and $132,000 for a family of four. The chart below shows every cutoff that matters for households of 1 to 8.

2027 ACA Income Limits Chart

Swipe the table to see the 400% cliff →

Yearly household income (MAGI) for 2027 coverage, 48 states and DC. Based on the 2026 HHS poverty guidelines ($15,960 for one person, plus $5,680 for each additional person). For households larger than 8, add $5,680 per person at 100% and scale the other columns by the same percentage. *Medicaid at 138% applies only in states that expanded Medicaid. Florida, Texas and Georgia have not.

What Each Line Means

• 100%: subsidies start. Below this line, marketplace subsidies are not available. In most states that expanded Medicaid you get Medicaid instead. Lawfully present immigrants under 100% lost subsidy eligibility starting in 2026.
• 138%: Medicaid line (expansion states only). Adults under 138% qualify for Medicaid in states that expanded it. Florida did not, so Floridians between 100% and 138% get a marketplace plan with the biggest subsidy instead.
• 150%: lowest premiums. At or under 150%, the benchmark Silver plan is capped at 2.15% to 4.3% of income, and many people pay close to $0 for a Bronze plan.
• 200% and 250%: extra savings on Silver. Up to 250%, Silver plans come with cost-sharing reductions that cut deductibles and copays. The savings are strongest under 200%.
• 400%: the subsidy cliff. One dollar over this line and the premium tax credit disappears completely for 2027. The enhanced subsidies that removed the cliff expired at the end of 2025.

How Much You Pay at Each Income Level

Your subsidy is the gap between the benchmark Silver plan's price and a fixed share of your income. The share for 2027:

2027 applicable percentages from IRS Rev. Proc. 2026-26. Within each band the percentage rises gradually, so these are the amounts at each band's starting point. The benchmark is the second-lowest-cost Silver plan in your area. Pick a cheaper plan and you pay less; pick a richer one and you pay the difference.

Florida and Other Non-Expansion States

Florida, Texas, Georgia and the other states that did not expand Medicaid work differently at the bottom of the chart. Most adults without children who earn under 100% of the poverty line ($15,960 for one person) qualify for neither Medicaid nor a subsidy. Between 100% and 138%, you get a marketplace plan with the largest subsidy, often $0 to a few dollars a month, plus cost-sharing reductions. If you are close to 100%, a careful income estimate matters. Call us before you apply.

Getting Under the 400% Cliff

If you are within a few thousand dollars of the cliff, lowering your MAGI can be worth thousands in subsidy. The usual moves:

• Contribute to a traditional 401(k), 403(b) or deductible IRA
• Fund an HSA (you need an HSA-eligible Bronze or Silver plan)
• Self-employed: claim every business expense and the self-employed health insurance deduction. See how the deduction works

Other 2027 Changes to Know

• Full repayment. Since 2026 there is no cap on paying back excess credits at tax time, so update your income with the marketplace within 30 days of a change.
• Immigrant eligibility narrows in 2027. Premium tax credits stay available to green card holders, Cuban and Haitian entrants, and COFA citizens. Other lawfully present groups, including TPS holders, lose subsidy eligibility starting January 1, 2027.
• Enrollment dates. Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. Full Open Enrollment guide.

Not sure which number to use? Our guide to what income counts for ACA subsidies walks through MAGI line by line.

ACA Income Limits FAQ

What is the income limit for ACA subsidies in 2027?

For 2027 coverage the subsidy cliff is back at 400% of the federal poverty level: $63,840 for one person, $86,560 for two and $132,000 for a family of four. Above that there is no premium tax credit. The lower limit is 100% of the poverty line ($15,960 for one person).

Which poverty guidelines are used for 2027 marketplace coverage?

Marketplace subsidies for 2027 plans use the 2026 HHS poverty guidelines: $15,960 for one person plus $5,680 for each additional person in the 48 states and DC. Alaska and Hawaii have higher guidelines.

What is the income limit for cost-sharing reductions?

Cost-sharing reductions (lower deductibles and copays) are available on Silver plans up to 250% of the poverty line: $39,900 for one person and $82,500 for a family of four.

What happens if my income is just over 400% of the poverty level?

You lose the entire premium tax credit, not just part of it. That is why people near the line should look at lowering MAGI with pre-tax retirement or HSA contributions, or self-employed deductions, before they enroll.

Do I have to pay back subsidies if my income ends up higher?

Yes. Starting with 2026 coverage there is no longer a cap on repayment, so if your real income comes in higher than your estimate you repay the full excess credit on your tax return. Report income changes to the marketplace within 30 days.

What income counts toward these limits?

Modified Adjusted Gross Income (MAGI): wages, net self-employment profit, unemployment, retirement withdrawals, investment income and Social Security, for everyone in your tax household. See our full guide to what income counts.

Sources: HHS 2026 Poverty Guidelines (ASPE); IRS Rev. Proc. 2026-26; CMS. Alaska and Hawaii use higher poverty guidelines ($19,950 and $18,360 for one person). Last verified September 30, 2026.