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

For 2026 ACA health insurance subsidies, the income limit for subsidies is expected to revert to up to 400% of the Federal Poverty Level (FPL), unless Congress acts to extend the enhanced subsidies. For 2025, this translates to an income of approximately $62,600 for a single adult and $128,600 for a family of four. Households with incomes above this threshold would lose eligibility for tax credits entirely, leading to a sudden and steep increase in premium costs.

Income limits and the "subsidy cliff"

400% of FPL: The traditional income cutoff for premium tax credits has been 400% of the Federal Poverty Level.
Income limits (estimated for 2026):
- Single adult: ~$62,600
- Family of four: ~$128,600
The "subsidy cliff": If enhanced subsidies expire, households earning just over the 400% FPL threshold will lose all financial help, leading to a sudden and significant rise in premium payments.

Impact of the income cliff

Premium increases: Individuals above the limit will face substantially higher monthly premiums, especially in higher-cost states or for older individuals who have higher premiums anyway.
Enrollment changes: The expiration of subsidies may also cause healthier individuals to drop their marketplace plans, which could destabilize the market and drive premiums up further for everyone else.

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2026 ACA Income Limits for Tax Credit Subsidies