300% of the Federal Poverty Level (2026): Where the contribution rate maxes out
2025 HHS guidelines · applies to 2026 marketplace coverage · Last reviewed July 2026
$46,950/yr single$96,450/yr family of 4≈$3,912/mo single
300% of FPL in dollars, by household size
| Household size | 48 states + DC | Alaska | Hawaii |
|---|---|---|---|
| 1 | $46,950 | $58,650 | $53,970 |
| 2 | $63,450 | $79,290 | $72,960 |
| 3 | $79,950 | $99,930 | $91,950 |
| 4 | $96,450 | $120,570 | $110,940 |
| 5 | $112,950 | $141,210 | $129,930 |
| 6 | $129,450 | $161,850 | $148,920 |
| 7 | $145,950 | $182,490 | $167,910 |
| 8 | $162,450 | $203,130 | $186,900 |
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
From 300% of FPL up to the 400% cliff, your required contribution flattens at its 2026 maximum: 9.96% of income for the benchmark plan. In this band the subsidy still matters enormously for older enrollees and high-premium states (a 60-year-old's sticker price can be triple the cap), while young enrollees in cheap states may find the credit small or zero — the cap can exceed the actual premium.
At 300% a single person earns $46,950 and their benchmark cost is capped at about $390/month. One planning note: this entire band sits within sight of the 400% cliff — if a raise or side income might push you over, read the cliff guide before December, not at tax time.
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.
Free to use · No obligation · How we make money
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% · 250% · 400%