The Obamacare 2027 income table tells you if you qualify for government assistance to pay for your health insurance: if your household's annual income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for subsidies through the Marketplace. For a single person, that's between $15,960 and $63,840 per year.
Note this: For 2027 coverage, the FPL (Family Pension Plan) published by the government in January 2026 is used, so the numbers have changed compared to those you see in articles from last year. These are the minimum and maximum income thresholds based on your household size for tax purposes:
- 1 person: $15,960 – $63,840
- 2 people: $21,640 – $86,560
- 3 people: $27,320 – $109,280
- 4 people: $33,000 – $132,000
- 5 people: $38,680 – $154,720
- 6 people: $44,360 – $177,440
Editorial information
- Author: Luis Orlando Hernandez.
- Author Information: Luis Orlando Hernández (CEO), Licensed Insurance Agent in Florida W290644 since 2015, holding non-resident licenses in over 40 states. NPN: 17776979. Verify the agent's licensing information here.
- Our history: More than 10 years as an Official Health Insurance Agency in the United States.
- What this is for: Determining whether your income falls within the range that qualifies for Marketplace tax credits. Also used as a reference for Medicaid, CHIP, and the USCIS Poverty Guidelines chart.
- Sources: HHS Federal Poverty Guidelines, Federal Poverty Level Healthcare.gov,KFF Subsidy Calculator, USCIS I-864P Guide
- Important note: This content is informative and does not substitute legal advice. For recommendations based on your case, contact us.
- Last updated: October 5, 2026
2026 Federal Poverty Table: Income to qualify for Obamacare in 2027
FPL 2026 income limits for Obamacare 2027 coverage
| Family | 100% | 150% | 200% | 400% |
|---|---|---|---|---|
| 1 person | $15,960 | $23,940 | $31,920 | $63,840 |
| 2 People | $21,640 | $32,460 | $43,280 | $86,560 |
| 3 People | $27,320 | $40,980 | $54,640 | $109,280 |
| 4 People | $33,000 | $49,500 | $66,000 | $132,000 |
| 5 People | $38,680 | $58,020 | $77,360 | $154,720 |
| 6 People | $44,360 | $66,540 | $88,720 | $177,440 |
These figures are confirmed against the official 2025 Federal Poverty Guidelines published in the Federal Register by HHS. The government always applies the guidelines with a one-year lag — the 2025 FPL is what determines your 2026 coverage. If you see different numbers on another site, they may be using a different year's FPL by mistake.
What is the FPL? The Federal Poverty Level is a federal income measure that HHS updates every January based on the prior year's Consumer Price Index. That figure becomes the baseline for calculating financial help in the Health Insurance Marketplace.
What changes in the Obamacare income table for 2027?
The first thing that changes is the FPL: for a single person it went from $15,650 to $15,960, and with that the 400% cap goes up from $62,600 to $63,840. For a family of 4, the cap goes from $128,600 to $132,000.
What hits your wallet the hardest is something else: the percentage of your income you're expected to contribute to your premium also increases. This is the maximum amount of your annual income that the government considers reasonable to pay for the benchmark plan, and the official IRS table for 2027 looks like this:
| Income (% of FPL) | 2026 | 2027 |
|---|---|---|
| Menos de 133% | 2.10% | 2.15% |
| 133% a 150% | 3.14% a 4.19% | 3.23% a 4.30% |
| 150% a 200% | 4.19% a 6.60% | 4.30% a 6.78% |
| 200% a 250% | 6.60% a 8.44% | 6.78% a 8.66% |
| 250% a 300% | 8.44% a 9.96% | 8.66% a 10.22% |
| 300% a 400% | 9.96% | 10.22% |
| Over 400% | No subsidy | No subsidy |
This means that even if you earn the same as this year, your subsidy may be slightly lower in 2027. For example, a single person earning $25,000 is at 157% of the FPL (Fund for Pension Savings) and is expected to contribute around 4.6% of their income, about $96 per month, to the reference plan. If they choose a plan that costs more, they pay the difference.
There are two more changes. The out-of-pocket spending cap is rising to $12,000 for an individual and $24,000 for a family, according to CMS, up from $10,600 and $21,200 in 2026. And open enrollment for 2027 runs from November 1, 2026, to January 15, 2027, at Healthcare.gov: if you want coverage starting January 1, enroll by December 15.
Is it enough that my income is on the list to qualify in 2027?
No, and this is what surprises people the most. Since January 1, 2027, Public Law 119-21, which Congress passed in July 2025 (known as the One Big Beautiful Bill Act), limits the Marketplace tax credit to U.S. citizens, permanent residents (green card holders), Cuban and Haitian entrants, and migrants from COFA countries.
People with asylum, refugee status, TPS, or humanitarian parole will no longer receive the tax credit in 2027, even if their income falls within the income bracket. They can still purchase a Marketplace plan, but at full price.
If you are in one of these situations, call us before enrollment opens and we will review your options. Here we also explain [how to qualify for Obamacare].
How do I know what percentage of the FPL my income represents?
The formula is simple: divide your household's annual income by 100% of the FPL (Fund for Liquidity Protection) that corresponds to your household size, and multiply by 100. For example, if you are a single person and earn $25,000, the calculation is $25,000 / $15,960 = 1.57, or 157% of the FPL. With that, you know you are in the financial aid bracket.
To arrive at the correct number, add up the income of everyone filing together and estimate the total for the year you'll have coverage. If you're employed with a W-2, use your gross income, before taxes. If you're self-employed with a 1099, use your MAGI, your adjusted monthly income, which is what you have left after deducting your actual business expenses.
Wages, tips, self-employment income, Social Security benefits, and rental income are counted. Gifts, inheritances, and child support payments are not counted.
What assistance do you receive based on your FPL percentage?
These are the key sections and what they mean for you:
– Less than 100% of the Federal Poverty Level: You typically don't qualify for Marketplace credit. In states that expanded Medicaid, the cap is 138% of the FPL. In states that didn't expand it, like Florida and Texas, you fall into the Medicaid gap.
– 100% to 150%: the highest subsidies, and the Silver plan covers an average of 94% of your expenses (the famous Silver 94).
– More than 150% to 200%: the second level of reductions, with a Silver 87.
– More than 200% to 250%: the third level, with a Silver 73.
– More than 250% to 400%: you continue to receive credit on the premium, but without cost reductions.
– Over 400%: there is no credit, and you pay the full plan price.
Ideally, you should be below 200% of the FPL, because that's where you receive the best assistance, both in the monthly premium and in the coverage.
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Real examples: how income affects your coverage
The lower your income relative to the FPL, the stronger your coverage tends to be — not just cheaper premiums, but lower deductibles and out-of-pocket costs too.
Single person, $19,000
It is at 119% of the FPL: It falls into the bracket of greatest aid: maximum credit on the premium and Silver 94 plan, often with a $0 or very low deductible.
Couple, $40,000
It's at 185%. Being below 200% qualifies it as a Silver 87, with good coverage and a fairly affordable monthly payment.
Family of 3, $63,000
It reaches 231%. She continues to receive help with the premium, but now enters a Silver 73, with higher deductibles and co-payments.
Family of 4, $145,000
It's at 439%. Its limit is $132,000, so it's $13,000 over and loses the entire credit. That's the infamous subsidy cliff, and that's where it hurts the most.
Frequently Asked Questions about the income table
FAQ
Your MAGI (Modified Adjusted Gross Income) is used, which is your tax-deductible gross income. If you're employed with a W-2, this is a portion of your gross pay before taxes. If you're self-employed, it's what's left after deducting your actual business expenses.
You don't normally receive Marketplace credit. In states with expanded Medicaid, you qualify for Medicaid up to 138%.
In states like Florida and Texas, you fall into the Medicaid gap, so we review your full-year income before telling you what your options are.
Yes. Under current rules, exceeding the limit will disqualify you from the tax credit, and in 2027 the limit for an individual is $63,840. Talk to your accountant to see if there are legitimate ways to lower your MAGI in your case, such as tax-deductible contributions to a health savings account (HSA) or a retirement plan.
Yes. As of January 1, 2027, the tax credit is limited to permanent residents, Cuban and Haitian entrants, and COFA migrants. Those with asylum, refugee, TPS, or parole status can purchase a plan, but at full price. Call us and we'll review your case.
The original 2014 ACA formula is back in effect, which does limit the percentage of income spent on premiums, but only for households between 100% and 400% of the FPL — not for those above that threshold.
From November 1, 2026, to January 15, 2027, at Healthcare.gov. If you enroll before December 15, your coverage starts on January 1; after that date, on February 1. Some states with their own marketplace offer longer periods.
With some exceptions, some people may be able to enroll outside of this official date during 2027. To check who qualifies, you can consult us at Dulcinea Insurance.
What other programs use the Federal Poverty Level?
The FPL isn't just for Obamacare subsidies. It also guides other programs, and the caps vary by state.
– Medicaid: In states that extended it, the cap is 138% of the FPL, which is $22,025 for a person.
– CHIP: Child insurance has limits that vary greatly by state, and in many states they reach between 200% and 300% of the FPL.
– Medicare Extra Help: to pay for prescriptions, up to 150% of the FPL, plus a resource limit.
– SNAP: The standard federal limit for food stamps is 130% of the FPL, and some states extend it.
– Immigration Affidavit (I-864): In family sponsorship, USCIS requires income of at least 125% of the FPL in most cases.
How has the Obamacare income bracket changed in recent years?
The government adjusts the FPL each year so that tax credits keep pace with the cost of living. And be aware, it always applies this with a one-year delay: the figures in the guide published in January 2026 are used for 2027 coverage, just as those from January 2025 were used for 2026. If you see different figures elsewhere, they are most likely using the FPL from a different year.
As you can see, the limits have increased considerably, especially after 2022. In the 2021 guide, the 400% cap for an individual was $51,520, and in the 2026 guide, it is $63,840, or $12,320 more.
Did you know that with this income, you might not have to pay anything for your insurance?
Confirm your official subsidy here.
What about the middle class and the 400% cap?
Low-income individuals benefit the most from the Affordable Care Act. If your income is below 200% of the FPL, you receive the largest subsidies, allowing you to get the best coverage at the lowest possible price.
The problem is the 400% cap. It excludes millions of middle-class families who earn too much to qualify for assistance but too little to afford full-price private insurance. Between 2021 and 2025, enhanced credit lines provided them with a buffer. When those lines expired at the end of 2025, that buffer disappeared, and no new lines have been approved to date. If that changes, we will update this page.
And this is what I find most difficult: a single person earning $63,000 continues to receive assistance, but at $64,000 they lose it all. That difference of a thousand dollars can mean thousands of dollars a year in subsidies.
If you're nearing the limit, don't wait to see what happens. Get quotes for affordable health plans from an authorized agent by calling 786-910-9487.
How much does your income influence your Obamacare insurance?
It all starts with what you declare on your taxes, and the financial assistance is reflected in two ways: your monthly premium and your health coverage. If your income exceeds the limits in the Obamacare income table, you most likely won't receive credits to pay for the plan or upgrade your coverage.
That's why it's so important to accurately estimate your income for the year. The subsidy works like an advance: the insurance company sends you Form 1095-A, and your accountant reconciles your estimate against your actual earnings on Form 8962.
Be aware that this has changed: according to the same law, starting with the 2026 tax year, the cap that previously limited how much you had to repay no longer exists. If your actual income is much higher than what you estimated, you may have to repay the entire excess of the allowance. That's why at Dulcinea Insurance we carefully calculate that number from day one.
Do you need help qualifying for Obamacare?
The Obamacare income table tells you in seconds if you fall within the income range, but the plan that's best for you depends on your specific situation: your doctors, your medications, your zip code. At Dulcinea Insurance, we'll review it with you, free of charge and in Spanish, starting from 786-910-9487.
*Notice*: We are not Healthcare.gov or a government entity; we are an independent agency, licensed to work with Health Insurance Marketplace plans.
