what is the income limit for marketplace insurance 2026
The income limit for Marketplace insurance subsidies in 2026 is generally 400% of the federal poverty level (FPL) for your household size, with a minimum income of about 100% FPL to qualify for premium tax credits in most cases. Above 400% FPL, most people will no longer qualify for premium subsidies in 2026 unless Congress changes the law.
Key 2026 income limits
For 2026 Marketplace premium tax credits, estimates based on published 2026 FPL projections look roughly like this for the contiguous U.S. (not Alaska/Hawaii):
| Household size | Approx. 100% FPL (min to qualify) | Approx. 400% FPL (max for subsidies) |
|---|---|---|
| 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 |
What changed in 2026?
- From 2021–2025, there was no hard income cap ; subsidies could extend above 400% FPL if the benchmark plan cost more than 8.5% of your income.
- In 2026, the old “subsidy cliff” returns, meaning that if your income is over 400% FPL , you typically lose eligibility for federal premium tax credits.
Other eligibility details
- You usually need income high enough (around 100% FPL) to avoid falling into a Medicaid coverage gap in non‑expansion states, with a few narrow exceptions.
- You still must meet other rules: no offer of affordable employer coverage, file a tax return, enroll in a Marketplace plan, and not be claimed as a dependent by someone else.
How to check your exact limit
Because the rules use a sliding scale and vary by:
- Household size
- State and county
- Ages of applicants and tobacco use
you should plug your projected 2026 income and household info into a current ACA subsidy calculator or your state Marketplace to get precise numbers for your situation.
TL;DR: For 2026, Marketplace premium subsidies generally apply between 100% and 400% of FPL , which is roughly $15.6k–$62.6k for a single person and $32.1k–$128.6k for a family of four , with loss of subsidies above those upper limits unless laws change.
Information gathered from public forums or data available on the internet and portrayed here.