2026 thresholds — household of 3, 48 contiguous states and DC
$106,600
400% of the federal poverty line — the income cutoff above which no premium tax credit is available. One dollar over this line costs the entire credit.
For 2026 thresholds, 400% of poverty line — the cutoff is $106,600; poverty guideline (100%) is $26,650; 138% of poverty line is $36,777; 200% of poverty line is $53,300; 300% of poverty line is $79,950; expected contribution at 300–400% of poverty line is 9.96%; expected contribution below 133% of poverty line is 2.10%; hard cutoff above 400% is yes — no premium tax credit above 400% of the federal poverty line, recorded from its source on 2026-08-13; source re-checked 2026-10-01.
- Record ID
- 2026-contiguous-3 our reading
- Coverage year
- 2026 our reading
- Poverty guideline schedule
- 48 contiguous states and DC
- Household size
- 3 verified
- Poverty guidelines year applied
- 2025
- Poverty guideline (100%)
- $26,650
- 138% of poverty line
- $36,777 our reading
- 150% of poverty line
- $39,975 our reading
- 200% of poverty line
- $53,300 our reading
- 250% of poverty line
- $66,625 our reading
- 300% of poverty line
- $79,950 our reading
- 400% of poverty line — the cutoff
- $106,600 our reading
- Expected contribution at 300–400% of poverty line
- 9.96%
- Expected contribution below 133% of poverty line
- 2.10%
- Employer coverage affordability percentage
- 9.96%
- Hard cutoff above 400%
- yes — no premium tax credit above 400% of the federal poverty line
- Which year's guidelines apply
- The Federal poverty line means the most recently published poverty guidelines as of the first day of the regular enrollment period for coverage by a qualified health plan offered through an Exchange for a calendar year. Thus, the Federal poverty line for computing the premium tax credit for a taxable year is the Federal poverty line in effect on the first day of the initial or annual open enrollment period preceding that taxable year.
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
3 ............................................ 26,650
— govinfo.gov, retrieved 2026-08-13
Source
- govinfo.govhttps://www.govinfo.gov/content/pkg/FR-2025-01-17/pdf/2025-01377.pdf