Income range by household size
| Household size | 100% FPL for 2025 income | 400% FPL for 2025 income | 100% FPL for 2026 income | 400% FPL for 2026 income |
|---|---|---|---|---|
| 1 | $15,650 | $62,600 | $15,960 | $63,840 |
| 2 | $21,150 | $84,600 | $21,640 | $86,560 |
| 3 | $26,650 | $106,600 | $27,320 | $109,280 |
| 4 | $32,150 | $128,600 | $33,000 | $132,000 |
If your family is larger than four people, check the FPL guidelines that apply to your situation.
Note: Different income limits apply to Alaska and Hawaii because they have separate federal poverty guidelines.
Which year’s poverty guidelines apply
Marketplace eligibility is based on the prior year’s guidelines: your 2026 income is compared against the 2025 federal poverty guidelines, not the 2026 figures published that same year. That one-year lag catches people off guard when they check the wrong year’s chart.
If you’re under 100% or over 400% FPL
Below 100% FPL, you generally don’t qualify for a Marketplace subsidy unless you meet all of the following qualifiers:
- No one can claim you as a dependent for the year.
- You or an individual in your tax family enrolled in a qualified health plan through a Marketplace.
- The Marketplace estimated at the time of enrollment that your household income would be at least 100% of the federal poverty line for your family size for the appropriate tax year.
- APTC was paid for the coverage of 1 or more months during the appropriate tax year.
- You otherwise qualify as an applicable taxpayer (except for the federal poverty line percentage).
For individuals who are below the 100% FPL, you’d typically qualify for subsidized coverage instead, such as Medicaid. In the states that have expanded Medicaid (the majority of states), individuals may qualify for Medicaid up to 138%. In the months that you qualify for Medicaid, you can’t qualify for Advanced Premium Tax Credits. For those above 400% FPL in 2026, the credit disappears entirely.
Why the 400% cutoff is back
From 2021 through 2025, temporary rules removed the upper income limit with an “affordability exemption”, so higher earners could still get some credit if premiums ate up a large share of their income. Those enhanced rules expired at the end of 2025 and weren’t extended, so the original 400% cutoff applies again starting with 2026 coverage.
What counts as income for this calculation
Eligibility runs on modified adjusted gross income (MAGI): adjusted gross income plus tax-exempt interest, excluded foreign income, and the nontaxable portion of Social Security benefits. Learn more about how modified adjusted gross income (MAGI) is calculated.
Self-employed and fluctuating income
Because self-employment income can swing month to month, projecting it accurately for the coverage year is harder than for a salaried job. Updating your income estimate with the Marketplace as the year goes on, rather than waiting until you file, helps avoid a large repayment or a missed credit when you reconcile on Form 8962, as noted in the example listed for below 100% FPL.
