ACA Premium Costs by Income Level
See how the 2026 subsidy cliff affects health insurance premiums at every income level. Pre-calculated results for 16 common incomes from $25,000 to $150,000.
| Income | Single FPL% | Family FPL% | Cliff | 2025 Single | 2026 Single | Monthly +/- | |
|---|---|---|---|---|---|---|---|
| $25,000 | 160% | 78% | Below ✅ | $8 | $62 | +$53 | Details → |
| $30,000 | 192% | 93% | Below ✅ | $42 | $145 | +$103 | Details → |
| $35,000 | 224% | 109% | Below ✅ | $86 | $216 | +$129 | Details → |
| $40,000 | 256% | 124% | Below ✅ | $141 | $284 | +$142 | Details → |
| $45,000 | 288% | 140% | Below ✅ | $207 | $355 | +$148 | Details → |
| $50,000 | 319% | 156% | Below ✅ | $270 | $410 | +$140 | Details → |
| $55,000 | 351% | 171% | Below ✅ | $333 | $451 | +$117 | Details → |
| $60,000 | 383% | 187% | Below ✅ | $404 | $492 | +$88 | Details → |
| $65,000 | 415% | 202% | Above ⚠️ | $460 | $600 | +$140 | Details → |
| $70,000 | 447% | 218% | Above ⚠️ | $496 | $600 | +$104 | Details → |
| $75,000 | 479% | 233% | Above ⚠️ | $531 | $600 | +$69 | Details → |
| $80,000 | 511% | 249% | Above ⚠️ | $567 | $600 | +$33 | Details → |
| $90,000 | 575% | 280% | Above ⚠️ | $600 | $600 | — | Details → |
| $100,000 | 639% | 311% | Above ⚠️ | $600 | $600 | — | Details → |
| $120,000 | 767% | 373% | Above ⚠️ | $600 | $600 | — | Details → |
| $150,000 | 959% | 467% | Above ⚠️ | $600 | $600 | — | Details → |
📝 Notes:
- Premiums shown for a single person (age 40) on a benchmark Silver plan ($600/mo)
- FPL% for singles uses 2025 FPL of $15,650; family of 4 uses $32,150
- "Cliff" column shows single-person status — click Details for family breakdown
- Click any row for full family estimates and income strategies
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