The expanded tax credits that were in effect on the Marketplace from 2021-2025 are expiring at the end of Plan Year 2025. In Plan Year 2026, subsidy amounts will return to the original Affordable Care Act (ACA) structure, which are indexed annually for inflation. The chart below outlines the premium contribution percentages under the ACA.
Consumers with incomes over 400% of the FPL are not eligible for PTC.
Note: The initial and final premium percentages refer to the sliding scale used to calculate how much consumers are expected to contribute to their premiums. The initial percentage is the minimum expected contribution for someone at the lower end of the income bracket. The final percentage is the maximum expected contribution for someone at the upper end of that bracket.
2026 ACA Income Limits for Tax Credit Subsidies
| Family Size | 100% FPL | <138% FPL | 150% FPL | 200% FPL | 400% FPL |
|---|---|---|---|---|---|
1 | $15,650 | $21,597 | $23,475 | $31,300 | $62,600 |
2 | $21,150 | $29,187 | $31,725 | $42,300 | $84,600 |
3 | $26,650 | $36,777 | $39,975 | $53,300 | $106,600 |
4 | $32,150 | $44,367 | $48,225 | $64,300 | $128,600 |
5 | $37,650 | $51,957 | $56,475 | $75,300 | $150,600 |
6 | $43,150 | $59,547 | $64,725 | $86,300 | $172,600 |
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