2026 ACA Marketplace Income Limits*
for lower health insurance premiums from Advance Premium Tax Credit Subsidies in 2026
*The current government shutdown is mostly over not extending or making permanent the Enhanced ACA Subsidies that we’ve had since Covid. If the government comes together, net premiums might become lower, especially for those over the 400% FPL “Subsidy Cliff” income limit…
We even made a short story about it:
read “The ACA Stalemate in the Government Shutdown”
read “The ACA Stalemate in the Government Shutdown”
The 2026 ACA Marketplace income limit guidelines have been released and are below. These will be in effect for the 2026 Open Enrollment and Special Enrollment Periods for ACA Marketplace health insurance for most states, some states have slightly different figures. Contact us for details or questions in your own state.
2026 ACA Income Limits for Tax Credit Subsidies
| Family Size | 100% FPL | <138% FPL | 150% FPL | 200% FPL | 400% FPL |
|---|---|---|---|---|---|
|
Family Size:
1 |
100% FPL:
$15,650 |
<138% FPL:
$21,597 |
150% FPL:
$23,475 |
200% FPL:
$31,300 |
400% FPL:
$62,600 |
|
Family Size:
2 |
100% FPL:
$21,150 |
<138% FPL:
$29,187 |
150% FPL:
$31,725 |
200% FPL:
$42,300 |
400% FPL:
$84,600 |
|
Family Size:
3 |
100% FPL:
$26,650 |
<138% FPL:
$36,777 |
150% FPL:
$39,975 |
200% FPL:
$53,300 |
400% FPL:
$106,600 |
|
Family Size:
4 |
100% FPL:
$32,150 |
<138% FPL:
$44,367 |
150% FPL:
$48,225 |
200% FPL:
$64,300 |
400% FPL:
$128,600 |
|
Family Size:
5 |
100% FPL:
$37,650 |
<138% FPL:
$51,957 |
150% FPL:
$56,475 |
200% FPL:
$75,300 |
400% FPL:
$150,600 |
|
Family Size:
6 |
100% FPL:
$43,150 |
<138% FPL:
$59,547 |
150% FPL:
$64,725 |
200% FPL:
$86,300 |
400% FPL:
$172,600 |
Figures are based on Modified Adjusted Gross Income, or MAGI. For a completely different kind of article, we invite you to read “The Gift of the Magi” by O. Henry, or William Sidney Porter.
Eligible individuals and families with incomes between 100% and 400% of the FPL guidelines qualify for subsidies.
Simply put… ‘the less income you have inside the box, the more help you get: it’s a sliding scale’.
For more information, call us at 828-372-0101 or schedule a free consultation.
The amount of tax credit subsidy and the health insurance plans available to enroll in will depend on family size and income. Cost-share reduction (CSR) or ‘Silver Enhanced’ plans are available between 100% and 250% FPL.
