What is the ACA subsidy chart for 2026?

What it means

• Subsidies are calculated as the difference between the benchmark (second-lowest-cost Silver) plan and your expected contribution.
• Under the expanded ARPA/IRA rules (through plan year 2025), households above 400% FPL were capped at 8.5% of income; that enhancement expires after 2025 unless Congress acts, restoring the 400% FPL cliff for 2026.
• 2026 tiers use 2025 HHS poverty guidelines: $15,650 for a household of one, $21,150 for two, $32,150 for four in the 48 contiguous states.
• Related: <a href="/answers/what-if-i-cant-afford-my-premium">What can I do if I can't afford my health insurance premium?</a>

Action steps

1. Look up your household size and income on HealthCare.gov's Savings Estimator.
2. Compare your expected contribution % to actual Silver benchmark premiums in your county.
3. Update income projections mid-year if they change to avoid year-end reconciliation surprises.

Risks & deadlines

• If enhanced subsidies expire, households above 400% FPL lose eligibility entirely for 2026 — the 'subsidy cliff' returns.
• Underestimating income can trigger repayment of excess advance premium tax credits at tax time.