What is 400% of the Federal Poverty Level?
400% of the Federal Poverty Level (FPL) is the historical income threshold above which ACA premium tax credits phased out — for plan year 2026 (using 2025 HHS poverty guidelines), that's roughly $62,600 for one person, $84,600 for a household of two, and $128,600 for a household of four in the 48 contiguous states. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
More on this topic: subsidies and costs
Last updated Jul 22, 2026
Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, Licensed Insurance Agent (NPN 20983651) · reviewed Jul 25, 2026
Published by ACA Direct Answers · Licensed under Citation License 1.0
What it means
- FPL amounts are updated each January by HHS and used for Marketplace subsidies for the following plan year.
- Under the enhanced subsidies (through 2025), income above 400% FPL still qualifies for a credit capped at 8.5% of income.
- If enhanced subsidies expire, the 400% cutoff returns as a hard cliff for plan year 2026.
Action steps
- Look up the current-year HHS poverty guideline for your household size.
- Multiply by 4 to get the 400% FPL threshold.
- Model your subsidy under both cliff and no-cliff scenarios.
Risks & deadlines
- State-based Marketplaces may use different FPL amounts (Alaska and Hawaii have higher guidelines).
- Household size for FPL follows the tax household, not everyone in your home.
Also asked as
- federal poverty level 400 percent
- 400% fpl
Sources
Last verified: 2026-07-22