Límites de Ingresos ACA 2026
¿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 2026.
Límites de Ingresos ACA por Tamaño de Hogar (2026)
Basado en el Nivel Federal de Pobreza (FPL) 2026. 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 |
Azul = rango de Medicaid (138% FPL). Verde = máximo subsidio ACA. Cifras aproximadas para 48 estados contiguos.
¿Qué Subsidios Obtengo Según Mis Ingresos?
Plan plata con prima de $0 y Reducciones de Costo Compartido (CSR)
Primas muy bajas — la mayoría paga menos de $20/mes por un plan plata
Subsidios significativos; plan plata con reducción de costo compartido disponible
Subsidios moderados; prima limitada al 8–10% de los ingresos
Subsidios menores; prima limitada a aproximadamente el 10% de los ingresos
Todavía puede calificar para subsidios bajo las extensiones del Plan de Rescate Americano (verifique su estado)
¿Califica para Subsidios ACA?
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What are the ACA income limits for 2026?
For 2026, ACA premium tax credits are available to households earning between 100% and 400% of the Federal Poverty Level (FPL). For a single person, that is between $15,960 and $63,840 per year. For a family of four, that is between $33,000 and $132,000. Enhanced subsidies from the American Rescue Plan may extend help above 400% FPL in some cases.
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, Social Security benefits (if taxable), 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 9.02% of your household income, you generally do not qualify for ACA marketplace subsidies. If the employer plan is too expensive or inadequate, you may still qualify.