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Premium tax credits lower the monthly cost of a marketplace plan. Since the temporary enhanced credits expired at the end of 2025, eligibility is again limited to households earning 100%–400% of the federal poverty level (2027 coverage uses the 2026 guidelines), and the amount you are expected to pay rises with income to a little over 10% for the benchmark silver plan. If your income ends up higher than estimated, you may have to repay part of the credit at tax time.
| Household | 100% FPL (2026) | 138% | 185% |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $29,526 |
| 2 | $21,640 | $29,863 | $40,034 |
| 3 | $27,320 | $37,702 | $50,542 |
| 4 | $33,000 | $45,540 | $61,050 |
| 5 | $38,680 | $53,378 | $71,558 |
| 6 | $44,360 | $61,217 | $82,066 |
How to apply
Shop and apply at HealthCare.gov or your state marketplace (e.g. Covered California). Report income changes during the year.
FAQ
What is the ACA subsidy income limit for 2027?
400% of the poverty level – $63,840 for one person or $132,000 for a family of four.
When is open enrollment for 2027?
November 1, 2026 to January 15, 2027 in most states; enroll by December 15 for January 1 coverage.
Sources (checked Nov 6, 2026): HealthCare.gov; IRS premium tax credit rules; HHS 2026 Poverty Guidelines.