2027 ACA Income Limits & 400% FPL Chart

Marketplace subsidies for 2027 coverage use the 2026 HHS poverty guidelines. Income above the 400% column means no premium tax credit.

48 contiguous states and DC

Household	100%	138%	150%	200%	250%	300%	400%
1	$15,960	$22,025	$23,940	$31,920	$39,900	$47,880	$63,840
2	$21,640	$29,863	$32,460	$43,280	$54,100	$64,920	$86,560
3	$27,320	$37,702	$40,980	$54,640	$68,300	$81,960	$109,280
4	$33,000	$45,540	$49,500	$66,000	$82,500	$99,000	$132,000
5	$38,680	$53,378	$58,020	$77,360	$96,700	$116,040	$154,720
6	$44,360	$61,217	$66,540	$88,720	$110,900	$133,080	$177,440
7	$50,040	$69,055	$75,060	$100,080	$125,100	$150,120	$200,160
8	$55,720	$76,894	$83,580	$111,440	$139,300	$167,160	$222,880

Alaska

Household	100%	138%	150%	200%	250%	300%	400%
1	$19,950	$27,531	$29,925	$39,900	$49,875	$59,850	$79,800
2	$27,050	$37,329	$40,575	$54,100	$67,625	$81,150	$108,200
3	$34,150	$47,127	$51,225	$68,300	$85,375	$102,450	$136,600
4	$41,250	$56,925	$61,875	$82,500	$103,125	$123,750	$165,000
5	$48,350	$66,723	$72,525	$96,700	$120,875	$145,050	$193,400
6	$55,450	$76,521	$83,175	$110,900	$138,625	$166,350	$221,800
7	$62,550	$86,319	$93,825	$125,100	$156,375	$187,650	$250,200
8	$69,650	$96,117	$104,475	$139,300	$174,125	$208,950	$278,600

Hawaii

Household	100%	138%	150%	200%	250%	300%	400%
1	$18,360	$25,337	$27,540	$36,720	$45,900	$55,080	$73,440
2	$24,890	$34,348	$37,335	$49,780	$62,225	$74,670	$99,560
3	$31,420	$43,360	$47,130	$62,840	$78,550	$94,260	$125,680
4	$37,950	$52,371	$56,925	$75,900	$94,875	$113,850	$151,800
5	$44,480	$61,382	$66,720	$88,960	$111,200	$133,440	$177,920
6	$51,010	$70,394	$76,515	$102,020	$127,525	$153,030	$204,040
7	$57,540	$79,405	$86,310	$115,080	$143,850	$172,620	$230,160
8	$64,070	$88,417	$96,105	$128,140	$160,175	$192,210	$256,280

What the columns mean

100%: minimum income for marketplace subsidies in most cases.
138%: Medicaid limit for adults in expansion states.
150% to 250%: cost-sharing reductions are available on silver plans.
400%: the subsidy cliff. One dollar more and the premium tax credit disappears.

For 2026 coverage (and your 2026 tax return), the 2025 guidelines apply: $15,650 for one person plus $5,500 per additional person. Calculate your 2027 subsidy →