Marketplace subsidies for plan year 2027 are based on the 2026 federal poverty guidelines. The table shows annual household income at the common cutoffs.
| Household size | 100% FPL | 138% FPL | 150% FPL | 200% FPL | 400% FPL |
|---|---|---|---|---|---|
| 1 | $15,960 | $22,025 | $23,940 | $31,920 | $63,840 |
| 2 | $21,640 | $29,863 | $32,460 | $43,280 | $86,560 |
| 3 | $27,320 | $37,702 | $40,980 | $54,640 | $109,280 |
| 4 | $33,000 | $45,540 | $49,500 | $66,000 | $132,000 |
| 5 | $38,680 | $53,378 | $58,020 | $77,360 | $154,720 |
| 6 | $44,360 | $61,217 | $66,540 | $88,720 | $177,440 |
How to read it
- 100% to 400% of FPL: generally eligible for premium tax credits, if you meet the other requirements.
- Above 400% of FPL: not eligible, because the enhanced credits expired at the end of 2025 and the original ACA cap applies.
- Below 138% of FPL: in states that expanded Medicaid, you may qualify for Medicaid instead.
- 150% and 200% of FPL: thresholds where the expected contribution rises. See the 2027 table below.
2027 expected contribution by income
| Household income (% of FPL) | Starting percentage of income | Ending percentage of income |
|---|---|---|
| Less than 133% | 2.15% | 2.15% |
| 133% to less than 150% | 3.23% | 4.30% |
| 150% to less than 200% | 4.30% | 6.78% |
| 200% to less than 250% | 6.78% | 8.66% |
| 250% to less than 300% | 8.66% | 10.22% |
| 300% to 400% | 10.22% | 10.22% |
Income means modified adjusted gross income (MAGI), not just wages. For households larger than 6, see our Federal Poverty Guidelines 2026 article.
Sources: IRS Rev. Proc. 2026-26 (2027 applicable percentage table); HHS 2026 poverty guidelines. Last reviewed October 2, 2026.
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