Referencia 2027
Límites de Ingresos ACA 2027
¿Cuánto puede ganar y aún calificar para subsidios del seguro de salud ACA? Límites de ingresos, tablas de subsidios y períodos de inscripción, todo actualizado para la cobertura de 2027.
Límites de Ingresos ACA por Tamaño de Hogar (cobertura de 2027)
Basado en las guías federales de pobreza (FPL) de 2026, que fijan los créditos fiscales de prima para la cobertura de 2027. Los subsidios se calculan como porcentaje del FPL.
| Hogar | 100% FPL | 133% FPL | 150% FPL | 200% FPL | 250% FPL | 300% FPL | 400% FPL |
|---|---|---|---|---|---|---|---|
| 1 persona | $15,960 | $21,227 | $23,940 | $31,920 | $39,900 | $47,880 | $63,840 |
| 2 personas | $21,640 | $28,781 | $32,460 | $43,280 | $54,100 | $64,920 | $86,560 |
| 3 personas | $27,320 | $36,336 | $40,980 | $54,640 | $68,300 | $81,960 | $109,280 |
| 4 personas | $33,000 | $43,890 | $49,500 | $66,000 | $82,500 | $99,000 | $132,000 |
| 5 personas | $38,680 | $51,444 | $58,020 | $77,360 | $96,700 | $116,040 | $154,720 |
| 6 personas | $44,360 | $58,999 | $66,540 | $88,720 | $110,900 | $133,080 | $177,440 |
Verde azulado = rango de Medicaid (138% FPL).Ámbar = máximo subsidio ACA.Cifras aproximadas para 48 estados contiguos.
¿Qué Subsidios Obtengo Según Mis Ingresos?
Lo máximo que paga por el plan plata de referencia en la cobertura de 2027, como porcentaje de los ingresos de su hogar.
El plan plata de referencia le cuesta como máximo el 2.15% de sus ingresos, unos $29 al mes para una persona al 100% del FPL. Las Reducciones de Costo Compartido (CSR) bajan su deducible y copagos.
El plan plata de referencia le cuesta del 3.23% al 4.30% de sus ingresos, con Reducciones de Costo Compartido.
El plan plata de referencia le cuesta del 4.30% al 6.78% de sus ingresos. Todavía hay planes plata con Reducciones de Costo Compartido.
El plan plata de referencia le cuesta del 6.78% al 8.66% de sus ingresos. Las Reducciones de Costo Compartido en planes plata terminan en el 250% del FPL.
El plan plata de referencia le cuesta del 8.66% al 10.22% de sus ingresos.
El plan plata de referencia le cuesta el 10.22% de sus ingresos.
No hay crédito fiscal de prima para la cobertura de 2027. La ayuda adicional por encima del 400% del FPL terminó después de 2025, así que paga el precio completo de un plan del mercado.
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Preguntas Frecuentes sobre el 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.