ACA Health Insurance
Who qualifies for ACA subsidies in 2026?
ACA premium tax credits (subsidies) are available to people with household income between 100% and 400% of the federal poverty level (FPL). Under the American Rescue Plan, subsidies are also available above 400% FPL for people who would otherwise pay more than 8.5% of income for the benchmark plan. In 2026, 100% FPL is approximately $15,060 for an individual.
Key Points
- Subsidies available: 100%-400% FPL (and above 400% FPL under ARP)
- 100% FPL 2026: ~$15,060 individual, ~$31,200 family of 4
- Above 400% FPL: subsidies available if benchmark plan costs more than 8.5% of income
- Subsidies reduce monthly premiums
- An independent agent can calculate your subsidy amount