2027 Reference
ACA Income Limits 2027
How much can you earn and still qualify for ACA health insurance subsidies? Income limits, subsidy tables, and enrollment periods, all updated for 2027 coverage.
ACA Income Limits by Household Size (2027 coverage)
Based on the 2026 Federal Poverty Level (FPL) guidelines, which set premium tax credits for 2027 coverage. Subsidies are calculated as a percentage of FPL.
| Household | 100% FPL | 133% FPL | 150% FPL | 200% FPL | 250% FPL | 300% FPL | 400% FPL |
|---|---|---|---|---|---|---|---|
| 1 person | $15,960 | $21,227 | $23,940 | $31,920 | $39,900 | $47,880 | $63,840 |
| 2 people | $21,640 | $28,781 | $32,460 | $43,280 | $54,100 | $64,920 | $86,560 |
| 3 people | $27,320 | $36,336 | $40,980 | $54,640 | $68,300 | $81,960 | $109,280 |
| 4 people | $33,000 | $43,890 | $49,500 | $66,000 | $82,500 | $99,000 | $132,000 |
| 5 people | $38,680 | $51,444 | $58,020 | $77,360 | $96,700 | $116,040 | $154,720 |
| 6 people | $44,360 | $58,999 | $66,540 | $88,720 | $110,900 | $133,080 | $177,440 |
Teal = Medicaid range (138% FPL).Amber = maximum ACA subsidy range.Approximate figures for 48 contiguous states.
What Subsidies Do I Get at Each Income Level?
The most you pay for the benchmark silver plan for 2027 coverage, as a share of your household income.
The benchmark silver plan costs you at most 2.15% of your income, about $29 a month for one person at 100% FPL. Cost Sharing Reductions (CSR) lower your deductible and copays.
The benchmark silver plan costs you 3.23% to 4.30% of your income, with Cost Sharing Reductions.
The benchmark silver plan costs you 4.30% to 6.78% of your income. Silver plans with Cost Sharing Reductions are still available.
The benchmark silver plan costs you 6.78% to 8.66% of your income. Cost Sharing Reductions on silver plans stop at 250% FPL.
The benchmark silver plan costs you 8.66% to 10.22% of your income.
The benchmark silver plan costs you 10.22% of your income.
No premium tax credit for 2027 coverage. The extra help above 400% FPL ended after 2025, so you pay the full price of a marketplace plan.
Do You Qualify for ACA Subsidies?
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Frequently Asked Questions About ACA
What are the ACA income limits for 2027?
For 2027 coverage, ACA premium tax credits are available to households earning between 100% and 400% of the Federal Poverty Level (FPL), measured against the 2026 poverty guidelines. For a single person in the 48 contiguous states and D.C., that is between $15,960 and $63,840 per year. For a family of four, that is between $33,000 and $132,000. There is no premium tax credit above 400% FPL: the extra help that reached higher incomes ended after 2025.
What is the difference between ACA subsidies and Medicaid?
ACA subsidies (premium tax credits) help pay for marketplace health insurance plans. Medicaid is a free government insurance program. If your income is below 138% FPL and you live in a Medicaid expansion state, you will be directed to Medicaid instead of the ACA marketplace.
Can I get ACA insurance if I am self-employed?
Yes. Self-employed individuals can buy ACA marketplace plans and qualify for subsidies based on their net income (after business deductions). Self-employment health insurance premiums may also be tax-deductible.
What is the ACA Open Enrollment period for 2026?
ACA Open Enrollment runs from November 1 to January 15 each year. After January 15, you can only enroll if you have a qualifying life event such as job loss, marriage, divorce, birth of a child, or moving to a new state.
What counts as income for ACA subsidies?
ACA uses Modified Adjusted Gross Income (MAGI). This includes wages, salaries, tips, self-employment income, all of your Social Security benefits (including the part that is not taxed), rental income, and investment income. It does not include Supplemental Security Income (SSI) or child support.
What if I am offered health insurance through my job?
If your employer offers health insurance that meets ACA minimum value standards and costs less than 9.96% of your household income for plan years starting in 2026 (10.22% for plan years starting in 2027), you generally do not qualify for ACA marketplace subsidies. If the employer plan is too expensive or inadequate, you may still qualify.