Obamacare income limits for 2027 coverage are 100% to 400% of the federal poverty level, which is $1,330 to $5,320 a month for one person and $2,750 to $11,000 a month for a family of four in the 48 states and DC. Those 2027 coverage figures use the 2026 poverty guidelines, and plans for 2027 went on sale November 1, 2026 on HealthCare.gov. The chart below leads with monthly income, the way retirees under 65 and hourly workers usually ask, and adds the yearly 400% limit in the last column.
Coverage you already have in 2026 uses different, lower figures, listed below. For yearly figures by household size, see the ACA income limits 2027 page, and for the 2026 version see the Obamacare income limits 2026 guide. Check your own household with the CoveredUSA screener. Rules come from HealthCare.gov and IRS Rev. Proc. 2026-26.
Coverage Breakdown
Direct answer: Obamacare income limits per month for 2027 coverage
Yes, if your household income is 100% to 400% of the federal poverty level. For 2027 coverage that is $1,330 to $5,320 a month ($15,960 to $63,840 a year) for one person, and $2,750 to $11,000 a month ($33,000 to $132,000 a year) for a family of four, in the 48 states and DC. Above 400% there is no premium tax credit.
How the Obamacare income limits 2027 work in monthly terms
Obamacare income limits for 2027 coverage are set once a year and then divided by 12 if you think in paychecks. The lower line is 100% of the federal poverty level ($15,960 for one person, or $1,330 a month, using the 2026 guidelines) and the upper line is 400% ($63,840 a year, or $5,320 a month). Retirees under 65, part-time workers, and hourly workers can read their own row in the monthly chart above instead of converting a yearly figure. Every figure is for the 48 states and DC; Alaska and Hawaii are higher and are covered at the end of this page.
The Marketplace does not look at one month in isolation. HealthCare.gov asks for your expected household income for the whole coverage year, measured as Modified Adjusted Gross Income (MAGI), so a person who earns $3,000 in some months and $6,000 in others should add the year up and compare the total with the yearly column. Medicaid works differently: in a Medicaid expansion state, eligibility generally turns on current monthly income against the 138% FPL line ($1,835 a month for one person in 2026, using the 2026 guidelines). Income counts all Social Security benefits, including the untaxed part (26 USC 36B(d)(2)(B)(iii)).
Monthly examples: $2,947 a month, $900 a month, and a 63-year-old
A single adult with $2,947 a month has $35,364 a year, which is about 222% of the 2026 poverty line ($15,960) and sits inside the 100% to 400% range for 2027 coverage. The same person is under the 250% cost-sharing line ($3,325 a month, or $39,900 a year, for 2027 coverage), so a silver plan may come with cost-sharing reductions that lower the deductible and copays. The exact premium depends on the benchmark plan in your county, which HealthCare.gov calculates when you enter your income and ZIP code.
A single adult with $900 a month has $10,800 a year, about 68% of the 2026 poverty line, which is below the 100% line of $1,330 a month for 2027 coverage. In a Medicaid expansion state that income falls under the 138% FPL line ($1,835 a month in 2026), so the person applies for Medicaid instead of a Marketplace plan. In one of the 10 states that did not expand Medicaid, an adult at this income usually gets no premium tax credit, which is the coverage gap. Age 63 changes the premium an insurer may charge, not the income limit: the same 100% to 400% range applies at 30 or at 63, until Medicare begins at 65.
Obamacare income limits 2026 by month: the figures for coverage you have now
Coverage in force during 2026 uses the 2025 poverty guidelines, so its monthly limits are lower than the 2027 chart. For 2026 coverage the 100% to 400% range is $15,650 to $62,600 a year for one person, or about $1,304 to $5,217 a month, and $32,150 to $128,600 a year for four, or about $2,679 to $10,717 a month. A household that received advance credits during 2026 reconciles on its 2026 tax return, filed in 2027, against those 2026 coverage figures, not the 2027 chart. The yearly 2026 walkthrough stays on the CoveredUSA Obamacare income limits 2026 guide.
- 2026 coverage, 2 people: $21,150 to $84,600 a year, or about $1,763 to $7,050 a month (2025 guidelines).
- 2026 coverage, 3 people: $26,650 to $106,600 a year, or about $2,221 to $8,883 a month (2025 guidelines).
What happens above or below the Obamacare income limits in 2027
Households above 400% FPL for 2027 coverage ($5,320 a month for one person, $11,000 a month for four) get no premium tax credit and pay the full premium, though they can still buy any ACA-compliant plan. The enhanced credits that removed the 400% cap expired December 31, 2025 and were not extended, so the cap applies to both 2026 and 2027 coverage. From tax year 2026 there is no cap on repaying excess advance credits at any income: if your final income is higher than you estimated, you repay the full difference on Form 8962 (IRS Questions and Answers on the Premium Tax Credit; P.L. 119-21 section 71305).
Adults below 100% FPL for 2027 coverage ($1,330 a month for one person) get no premium tax credit. In expansion states they apply for Medicaid, and starting as early as January 2027, depending on your state, adults 19 to 64 in the expansion group may need to show work, school, or training hours, or at least $580 a month of income, to get and keep coverage. In the 10 states that did not expand Medicaid (Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin, and Wyoming), many adults under 100% FPL fall into the coverage gap, though Wisconsin covers adults up to 100% FPL through BadgerCare Plus. Community health centers and hospital charity care are the usual alternatives, listed at KFF.
Medicare, employer coverage, and immigration status: limits beyond income
Adults under 65 qualify for 2027 premium tax credits only when income falls in the 100% to 400% FPL range and no other qualifying coverage is available. Once you enroll in Original Medicare (Medicare Part A or Medicare Part B), you can no longer receive premium tax credits, and Medicare Advantage, Medicare Part D, and Medigap plans are not Marketplace plans. An employer plan counts as affordable for plan years beginning in 2027 when the employee's own premium is 10.22% or less of household income (IRS Rev. Proc. 2026-26 section 3.02), and affordable, minimum-value coverage generally blocks the credit even inside the income range. Every ACA-compliant plan covers the essential health benefits and cannot charge more for a preexisting condition.
Immigration status also matters for 2027 coverage. The premium tax credit is limited to US citizens, green card holders, Cuban and Haitian entrants, and citizens of Micronesia, the Marshall Islands, and Palau; refugees, asylees, TPS holders, parolees, and visa holders can still buy a plan at full price but no longer get the credit starting with 2027 coverage (P.L. 119-21 section 71301). DACA recipients cannot buy through HealthCare.gov or a state Marketplace in any state, and can buy directly from an insurer at full price.
How to apply for 2027 Obamacare coverage and report your monthly income
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027 on HealthCare.gov, and the HealthCare.gov dates page says to enroll by December 15, 2026 for coverage that starts January 1, 2027. Sign-ups from December 16 through January 15 start February 1, 2027. State-based marketplaces set their own deadlines, and the federal December 15 date has been in litigation, so confirm it on the HealthCare.gov dates and deadlines page before relying on it.
- Step 1: Add up your expected 2027 household income for the year (MAGI, counting all Social Security) and divide by 12 to compare with the monthly chart.
- Step 2: Create or update an account at HealthCare.gov, or at your state marketplace, and enter household size and expected income.
- Step 3: Compare plans, choose how much of the credit to take in advance each month, and pay the first premium.
- Step 4: Report income changes during 2027 and reconcile on Form 8962 with your 2027 tax return.
Alaska and Hawaii Obamacare income limits per month for 2027 coverage
Alaska and Hawaii use higher poverty guidelines, so their Obamacare income limits for 2027 coverage are higher than the 48-state chart. Using the 2026 guidelines, Alaska is $19,950 for one person plus $7,100 for each additional person, which makes 400% FPL $79,800 a year, or $6,650 a month, for one person. Hawaii is $18,360 plus $6,530 for each additional person, which makes 400% FPL $73,440 a year, or $6,120 a month, for one person. For households larger than 8 in the 48 states and DC, add $473 a month ($5,680 a year) to the 100% line for each extra person in 2027 coverage, or $1,893 a month ($22,720 a year) to the 400% line.
Frequently Asked Questions
What is the Obamacare income limit per month in 2027?
For 2027 coverage, one person qualifies for premium tax credits with income from $1,330 to $5,320 a month ($15,960 to $63,840 a year), which is 100% to 400% of the 2026 federal poverty level. A family of four qualifies from $2,750 to $11,000 a month ($33,000 to $132,000 a year). Figures are for the 48 states and DC.
How much can I make and still get Obamacare in 2027?
For 2027 coverage, a single person can make up to $5,320 a month ($63,840 a year) and still get a premium tax credit. A household of two can make up to $7,213 a month ($86,560 a year). Above 400% of the poverty level there is no credit, though you can still buy a plan at full price.
Do Obamacare income limits 2026 differ from 2027?
Yes. Coverage during 2026 uses the 2025 poverty guidelines, so one person's range is $15,650 to $62,600 a year, about $1,304 to $5,217 a month. Coverage for 2027 uses the 2026 guidelines, which raise it to $15,960 to $63,840 a year. Your 2026 tax return reconciles against the 2026 coverage figures.
Is Social Security counted as income for Obamacare?
Yes. For the Marketplace premium tax credit, income is MAGI, which counts all Social Security benefits, including the part that is not taxed (26 USC 36B(d)(2)(B)(iii)). A person under 65 on disability benefits should add the full yearly benefit to other income before comparing with the 2027 coverage chart.
What if I make $900 a month and want Obamacare in 2027?
A single adult with $900 a month ($10,800 a year) is below the $1,330 a month lower line for 2027 coverage, so there is no premium tax credit. In a Medicaid expansion state, that income is under the 138% line ($1,835 a month in 2026) and the person applies for Medicaid. In a non-expansion state the person may be in the coverage gap.
Does my age change the Obamacare income limit?
No. The 100% to 400% FPL range for 2027 coverage is the same at any age under 65. Age changes the premium an insurer can charge, not the income limit. At 65, most people move to Medicare, and Original Medicare enrollment ends eligibility for Marketplace premium tax credits.
Do monthly paychecks or the yearly total count for Obamacare?
The yearly total. The Marketplace asks for expected household MAGI for the whole coverage year, so divide your 2027 yearly figure by 12 to compare with the monthly chart. Medicaid in expansion states generally looks at current monthly income against 138% FPL, which is $1,835 a month for one person in 2026.
What happens if I earn more than I estimated for 2027?
From tax year 2026 there is no cap on repaying excess advance premium tax credits at any income. If your final 2027 income is higher than you reported, you repay the full difference on Form 8962. Report income changes to your Marketplace during the year to adjust the monthly credit.
