referencesource/marketplace-subsidy-income-thresholds

ACA marketplace subsidy income limits by coverage year, household size and state group

Canonical, always-current version: https://referencesource.org/marketplace-subsidy-income-thresholds/ Machine-readable: https://referencesource.org/marketplace-subsidy-income-thresholds/data.json — this mirror is a point-in-time copy.

• —Last verified: 2026-08-13
• —Stale after: 2027-03-01 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
• —Records: 48

The dollar income limits that decide whether a household qualifies for an ACA premium tax credit, for each coverage year, each household size from 1 to 8, and each of the three federal poverty guideline schedules (48 contiguous states and DC, Alaska, Hawaii). Each record states the poverty guideline the marketplace actually applies to that coverage year, the dollar figures at the 100%, 138%, 150%, 200%, 250%, 300% and 400% marks, the share of income the household is expected to pay at the top of the scale, and whether a hard cutoff applies above 400%. The enhanced credits created by the American Rescue Plan Act and extended by the Inflation Reduction Act lapsed on 31 December 2025, so coverage year 2026 was the first year since 2020 in which a household above 400% of the poverty line received no credit at all. No single page states these dollar figures. HHS publishes the poverty guidelines without the ACA multiples; the IRS publishes the applicable percentages without any dollar amounts; and the marketplace applies the guidelines published before open enrollment opened, not the guidelines bearing the coverage year's own number, which is the step most secondary sources get wrong. Answers 'what is the income limit for marketplace insurance in [year]', 'what is 400% of the federal poverty level for a family of [n]', 'how much can I earn and still get an Obamacare subsidy', 'what is the subsidy cliff', and 'what percentage of income do I have to pay for a benchmark plan'.

Provenance — what every record carries

Every record carries source (the URL the value was read from) and source_quote (a verbatim quote from that page stating it). A value you cannot check against its page is indistinguishable from an invented one; these can all be checked. Each record is also individually addressable on the canonical site at its url.

Licence position

US federal government work. HHS poverty guidelines and IRS revenue procedures are public domain federal publications; the Code of Federal Regulations is public domain. Dollar thresholds and statutory percentages are facts and not copyrightable (Feist, 1991). Records cite each source and quote short passages linking back.

Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.

Sources

• —https://www.govinfo.gov/content/pkg/FR-2025-01-17/pdf/2025-01377.pdf
• —https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines

Fields

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