Obamacare subsidy income limits for 2026 and 2027
Updated November 2026
The premium tax credit (the Obamacare subsidy) is available to households with income between 100% and 400% of the federal poverty line. With the expanded credits of 2021–2025 no longer in effect, income even $1 above 400% means no credit at all for the year, and any advance payments made to your insurer must be repaid when you file.
2026 coverage (taxes filed in 2027)
2026 coverage uses the 2025 poverty guidelines. Limits for the 48 contiguous states and DC:
| Household size | Poverty line | Subsidy income limit (400%) |
|---|---|---|
| 1 | $15,650 | $62,600 |
| 2 | $21,150 | $84,600 |
| 3 | $26,650 | $106,600 |
| 4 | $32,150 | $128,600 |
| 5 | $37,650 | $150,600 |
| 6 | $43,150 | $172,600 |
| 7 | $48,650 | $194,600 |
| 8 | $54,150 | $216,600 |
Alaska: $78,200 for one person, plus $27,520 per additional person. Hawaii: $71,960 for one person, plus $25,320 per additional person.
If your 2026 income ended up higher than you told the Marketplace, you may have to repay some or all of your subsidy. Our free estimate takes about three minutes.
Estimate your 2026 repayment2027 coverage (open enrollment now)
2027 coverage uses the 2026 poverty guidelines. Limits for the 48 contiguous states and DC:
| Household size | Poverty line | Subsidy income limit (400%) |
|---|---|---|
| 1 | $15,960 | $63,840 |
| 2 | $21,640 | $86,560 |
| 3 | $27,320 | $109,280 |
| 4 | $33,000 | $132,000 |
| 5 | $38,680 | $154,720 |
| 6 | $44,360 | $177,440 |
| 7 | $50,040 | $200,160 |
| 8 | $55,720 | $222,880 |
Alaska: $79,800 for one person, plus $28,400 per additional person. Hawaii: $73,440 for one person, plus $26,120 per additional person.
Choosing an income estimate for 2027? See how close you are to the limit and what an underestimate could cost.
Open the free 2027 plannerWhat counts as income
The test uses household modified adjusted gross income (MAGI): adjusted gross income for you, your spouse if filing jointly, and dependents who must file, plus tax-exempt interest, non-taxable Social Security benefits, and excluded foreign income. Deductible contributions to a traditional IRA or HSA, and the self-employed health insurance deduction, reduce it.
Below 100% of the poverty line
Households below 100% generally do not qualify for the credit, and in most states qualify for Medicaid instead. There is an exception if the Marketplace estimated your income at 100% or more and paid advance credits.
Related guides
This guide is general information, not tax advice. Clawback Check is not affiliated with HealthCare.gov, any state Marketplace, or the IRS.