250% of the Federal Poverty Level (2026): The last dollar of cost-sharing help
2025 HHS guidelines · applies to 2026 marketplace coverage · Last reviewed July 2026
$39,125/yr single$80,375/yr family of 4≈$3,260/mo single
250% of FPL in dollars, by household size
| Household size | 48 states + DC | Alaska | Hawaii |
|---|---|---|---|
| 1 | $39,125 | $48,875 | $44,975 |
| 2 | $52,875 | $66,075 | $60,800 |
| 3 | $66,625 | $83,275 | $76,625 |
| 4 | $80,375 | $100,475 | $92,450 |
| 5 | $94,125 | $117,675 | $108,275 |
| 6 | $107,875 | $134,875 | $124,100 |
| 7 | $121,625 | $152,075 | $139,925 |
| 8 | $135,375 | $169,275 | $155,750 |
Income here means MAGI — adjusted gross income plus tax-exempt interest, untaxed Social Security, and excluded foreign income — for your whole tax household.
What happens at this line
250% of FPL is where cost-sharing reductions end. Below it, silver plans carry extra benefits bronze can't legally offer; above it, metal tiers are exactly what they say. That's why 250% is the pivot in plan-choice advice: under 250% → silver, nearly always; over 250% → run the bronze/silver break-even math in our guide.
At 250% ($39,125 single, $80,375 family of four), your benchmark contribution is 8.44% of income — about $275/month for that single person. From here to 300% the percentage climbs to its 9.96% maximum.
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
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Check your own number
The FPL calculator converts your income and household size into an exact percentage and lists everything it qualifies you for. Then estimate your subsidy in the 2026 subsidy calculator.
Other thresholds: 100% · 133% · 138% · 150% · 200% · 300% · 400%