Lookup · 48 thresholds
How far is my income from the ACA subsidy cliff?
Find your position relative to the 400% poverty line and what crossing it costs.
Where does this come from?
Straight from govinfo.gov and aspe.hhs.gov. Every answer links the page it was read from and quotes the line on that page that says it, so you can check it yourself in one click. The full list is under Where this came from.
How do you know it's right?
Each value is checked back against its own source page: the number has to appear in the sentence we quote, and that sentence has to appear on the page. Anything that fails is fixed or left out rather than published. More on how that works.
How up to date is it?
We last checked every number here on . These change over time, so they are due to be checked again by — if that date passes, a notice appears at the top of the page.
ACA Subsidy Cliff Headroom Calculator — 2026 and 2027 — Find how far your income is from the ACA subsidy cliff, what crossing it costs, and whether your state backfills above 400%.
About this data
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'.
Across 48 records, poverty guideline (100%) runs from $15,650 (2026-contiguous-1) to $69,650 (2027-alaska-8), with no value repeated. Every value is transcribed from the source that states it and carries the sentence it was taken from: 2 sources across 2 sites, last checked 2026-10-01, due for re-check by 2027-03-01. Every record is listed below, each linking the page its value came from.
| Coverage year | Poverty guideline schedule | Household size | Poverty guideline (100%) | 400% of poverty line — the cutoff | Expected contribution at 300–400% of poverty line |
|---|---|---|---|---|---|
| 2026 | Alaska | 1 | $19,550 | $78,200 | 9.96% |
| 2026 | Alaska | 2 | $26,430 | $105,720 | 9.96% |
| 2026 | Alaska | 3 | $33,310 | $133,240 | 9.96% |
| 2026 | Alaska | 4 | $40,190 | $160,760 | 9.96% |
| 2026 | Alaska | 5 | $47,070 | $188,280 | 9.96% |
| 2026 | Alaska | 6 | $53,950 | $215,800 | 9.96% |
| 2026 | Alaska | 7 | $60,830 | $243,320 | 9.96% |
| 2026 | Alaska | 8 | $67,710 | $270,840 | 9.96% |
| 2026 | 48 contiguous states and DC | 1 | $15,650 | $62,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 2 | $21,150 | $84,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 3 | $26,650 | $106,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 4 | $32,150 | $128,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 5 | $37,650 | $150,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 6 | $43,150 | $172,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 7 | $48,650 | $194,600 | 9.96% |
| 2026 | 48 contiguous states and DC | 8 | $54,150 | $216,600 | 9.96% |
| 2026 | Hawaii | 1 | $17,990 | $71,960 | 9.96% |
| 2026 | Hawaii | 2 | $24,320 | $97,280 | 9.96% |
| 2026 | Hawaii | 3 | $30,650 | $122,600 | 9.96% |
| 2026 | Hawaii | 4 | $36,980 | $147,920 | 9.96% |
| 2026 | Hawaii | 5 | $43,310 | $173,240 | 9.96% |
| 2026 | Hawaii | 6 | $49,640 | $198,560 | 9.96% |
| 2026 | Hawaii | 7 | $55,970 | $223,880 | 9.96% |
| 2026 | Hawaii | 8 | $62,300 | $249,200 | 9.96% |
| 2027 | Alaska | 1 | $19,950 | $79,800 | 10.22% |
| 2027 | Alaska | 2 | $27,050 | $108,200 | 10.22% |
| 2027 | Alaska | 3 | $34,150 | $136,600 | 10.22% |
| 2027 | Alaska | 4 | $41,250 | $165,000 | 10.22% |
| 2027 | Alaska | 5 | $48,350 | $193,400 | 10.22% |
| 2027 | Alaska | 6 | $55,450 | $221,800 | 10.22% |
| 2027 | Alaska | 7 | $62,550 | $250,200 | 10.22% |
| 2027 | Alaska | 8 | $69,650 | $278,600 | 10.22% |
| 2027 | 48 contiguous states and DC | 1 | $15,960 | $63,840 | 10.22% |
| 2027 | 48 contiguous states and DC | 2 | $21,640 | $86,560 | 10.22% |
| 2027 | 48 contiguous states and DC | 3 | $27,320 | $109,280 | 10.22% |
| 2027 | 48 contiguous states and DC | 4 | $33,000 | $132,000 | 10.22% |
| 2027 | 48 contiguous states and DC | 5 | $38,680 | $154,720 | 10.22% |
| 2027 | 48 contiguous states and DC | 6 | $44,360 | $177,440 | 10.22% |
| 2027 | 48 contiguous states and DC | 7 | $50,040 | $200,160 | 10.22% |
| 2027 | 48 contiguous states and DC | 8 | $55,720 | $222,880 | 10.22% |
| 2027 | Hawaii | 1 | $18,360 | $73,440 | 10.22% |
| 2027 | Hawaii | 2 | $24,890 | $99,560 | 10.22% |
| 2027 | Hawaii | 3 | $31,420 | $125,680 | 10.22% |
| 2027 | Hawaii | 4 | $37,950 | $151,800 | 10.22% |
| 2027 | Hawaii | 5 | $44,480 | $177,920 | 10.22% |
| 2027 | Hawaii | 6 | $51,010 | $204,040 | 10.22% |
| 2027 | Hawaii | 7 | $57,540 | $230,160 | 10.22% |
| 2027 | Hawaii | 8 | $64,070 | $256,280 | 10.22% |
Where this came from
Every record above links the page it was taken from and quotes the sentence that states it. These are the 2 sources this dataset was assembled from.
- govinfo.govhttps://www.govinfo.gov/content/pkg/FR-2025-01-17/pdf/2025-01377.pdf
- aspe.hhs.govhttps://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
Machine-readable
- data.jsonThe whole dataset — every record with its source URL and source quote.
- Open Knowledge Format bundleOne JSON object per line — every record's frontmatter and quoted span exactly as it is held here, in one fetch.
- data.csvThe same records as one flat table, for a spreadsheet or a dataframe. The last four columns are the source URL, the quoted sentence it was read from, the date we last checked it, and which columns are our reading rather than the page's words.
- How this is made and checkedWhat "verified against source" does and does not mean.
From your own code
Same records, same quotes, without scraping the page: refsource is on PyPI and npm. Each value comes back carrying the URL it was read from and the sentence on that page that states it — .source and .quote sit on the value itself rather than in a side channel, so the checking step is available instead of skipped.
pip install refsource
refsource lookup marketplace-subsidy-income-thresholds threshold_id=2026-alaska-1
npx -y refsource lookup marketplace-subsidy-income-thresholds threshold_id=2026-alaska-1Set your AI assistant up to use this
Two files and no account. Put this in .mcp.json at the root of your project — Claude Code, Cursor, Windsurf, VS Code and Codex all read that file — and your assistant can look this dataset up instead of recalling it. The server is remote, keyless and read-only.
{
"mcpServers": {
"referencesource": {
"type": "http",
"url": "https://referencesource.org/mcp"
}
}
}Add to Cursor · or, on the command line: claude mcp add --transport http referencesource https://referencesource.org/mcp --scope project
Then one line in the project's CLAUDE.md or AGENTS.md, so the assistant knows when to reach for it:
When a question needs "ACA marketplace subsidy income limits by coverage year, household size and state group", call the referencesource MCP server at https://referencesource.org/mcp (tool `search_records`, dataset_slug `marketplace-subsidy-income-thresholds`) instead of answering from memory — every record it returns carries its source URL and a verbatim quote from that page.What each tool does, and the servers built over single registers: Connect your AI assistant.