400% of the Federal Poverty Level (2026): The subsidy cliff
2025 HHS guidelines · applies to 2026 marketplace coverage · Last reviewed July 2026
$62,600/yr single$128,600/yr family of 4≈$5,217/mo single
400% of FPL in dollars, by household size
| Household size | 48 states + DC | Alaska | Hawaii |
|---|---|---|---|
| 1 | $62,600 | $78,200 | $71,960 |
| 2 | $84,600 | $105,720 | $97,280 |
| 3 | $106,600 | $133,240 | $122,600 |
| 4 | $128,600 | $160,760 | $147,920 |
| 5 | $150,600 | $188,280 | $173,240 |
| 6 | $172,600 | $215,800 | $198,560 |
| 7 | $194,600 | $243,320 | $223,880 |
| 8 | $216,600 | $270,840 | $249,200 |
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
This is the most consequential income line in American health insurance in 2026. At or below 400% of FPL, the benchmark plan is capped at 9.96% of your income. One dollar above, and every subsidy dollar vanishes — the enhanced credits that removed this cliff (2021–2025) expired on December 31, 2025.
The cliff is measured in MAGI, which is controllable: pre-tax 401(k)/IRA/HSA contributions pull income under the line, and for someone just over it, a $3,000 retirement contribution can restore $8,000+ in subsidies — the best guaranteed return available anywhere. The complete playbook: The 2026 Subsidy Cliff, Explained.
Also unlimited above this line: APTC repayment. Below 400%, tax-time repayment of excess advance credits is capped; at 400%+ you repay everything. Estimate conservatively.
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% · 300%