ACA Subsidy Cliff by State, 2027
Figures verified against official IRS, HHS and CMS sources · Methodology
The cliff hits hardest where premiums are high. The last column shows the estimated yearly subsidy a 60-year-old loses by earning one dollar over the 400% limit.
| State | Marketplace | Medicaid expansion | Avg. benchmark, age 40 (2026) | Cliff cost, age 60 |
|---|---|---|---|---|
| Alabama | HealthCare.gov | No | $645 | $12,384 |
| Alaska | HealthCare.gov | Yes | $1,032 | $22,093 |
| Arizona | HealthCare.gov | Yes | $532 | $9,071 |
| Arkansas | HealthCare.gov | Yes | $774 | $16,156 |
| California | Covered California | Yes | $570 | $10,193 |
| Colorado | Connect for Health Colorado | Yes | $557 | $9,810 |
| Connecticut | Access Health CT | Yes | $870 | $18,959 |
| Delaware | HealthCare.gov | Yes | $691 | $13,735 |
| District of Columbia | DC Health Link | Yes | $610 | $11,365 |
| Florida | HealthCare.gov | No | $683 | $13,480 |
| Georgia | Georgia Access | No | $615 | $11,492 |
| Hawaii | HealthCare.gov | Yes | $541 | $8,345 |
| Idaho | Your Health Idaho | Yes | $490 | $7,848 |
| Illinois | Get Covered Illinois | Yes | $646 | $12,410 |
| Indiana | HealthCare.gov | Yes | $474 | $7,364 |
| Iowa | HealthCare.gov | Yes | $501 | $8,154 |
| Kansas | HealthCare.gov | No | $670 | $13,098 |
| Kentucky | kynect | Yes | $590 | $10,779 |
| Louisiana | HealthCare.gov | Yes | $646 | $12,410 |
| Maine | CoverME.gov | Yes | $709 | $14,244 |
| Maryland | Maryland Health Connection | Yes | $414 | $5,606 |
| Massachusetts | Massachusetts Health Connector | Yes | $494 | $4,588 |
| Michigan | HealthCare.gov | Yes | $523 | $8,791 |
| Minnesota | MNsure | Yes | $448 | $6,599 |
| Mississippi | HealthCare.gov | No | $662 | $12,868 |
| Missouri | HealthCare.gov | Yes | $605 | $11,212 |
| Montana | HealthCare.gov | Yes | $692 | $13,760 |
| Nebraska | HealthCare.gov | Yes | $710 | $14,270 |
| Nevada | Nevada Health Link | Yes | $497 | $8,052 |
| New Hampshire | HealthCare.gov | Yes | $401 | $5,223 |
| New Jersey | Get Covered New Jersey | Yes | $545 | $9,454 |
| New Mexico | beWellnm | Yes | $623 | $11,722 |
| New York | NY State of Health | Yes | $817 | $4,756 |
| North Carolina | HealthCare.gov | Yes | $638 | $12,180 |
| North Dakota | HealthCare.gov | Yes | $570 | $10,193 |
| Ohio | HealthCare.gov | Yes | $513 | $8,511 |
| Oklahoma | HealthCare.gov | Yes | $604 | $11,186 |
| Oregon | OregonHealthCare.gov | Yes | $543 | $9,377 |
| Pennsylvania | Pennie | Yes | $572 | $10,244 |
| Rhode Island | HealthSource RI | Yes | $506 | $8,307 |
| South Carolina | HealthCare.gov | No | $564 | $10,014 |
| South Dakota | HealthCare.gov | Yes | $655 | $12,664 |
| Tennessee | HealthCare.gov | No | $711 | $14,321 |
| Texas | HealthCare.gov | No | $661 | $12,843 |
| Utah | HealthCare.gov | Yes | $640 | $12,231 |
| Vermont | Vermont Health Connect | Yes | $1,299 | $11,404 |
| Virginia | Virginia's Insurance Marketplace | Yes | $455 | $6,803 |
| Washington | Washington Healthplanfinder | Yes | $612 | $11,416 |
| West Virginia | HealthCare.gov | Yes | $1,073 | $24,922 |
| Wisconsin | HealthCare.gov | No | $611 | $11,390 |
| Wyoming | HealthCare.gov | No | $1,090 | $25,431 |
Benchmark: KFF 2026 average second-lowest-cost silver premium for a 40-year-old. Cliff cost: estimated 2027 premium tax credit for a single 60-year-old at exactly 400% FPL, using the state average × 1.15.