Your family's eligibility for ACA subsidies is based on three things: your household size, your estimated annual income, and the cost of plans in your area. Generally, families earning between 100% and 400% of the Federal Poverty Level (FPL) qualify for help paying their premiums.
For 2026, here are the income ranges for a family of four:
- 100% FPL: $32,150 (minimum income to qualify for Marketplace subsidies)
- 250% FPL: $80,375 (upper limit for Cost-Sharing Reductions on Silver plans)
- 400% FPL: $128,600 (upper limit for Premium Tax Credits in 2026)
An important change for 2026: the enhanced premium subsidies that were available from 2021 through 2025 under the American Rescue Plan and Inflation Reduction Act expired on December 31, 2025. They were not renewed. This means the 400% FPL cap is back in effect, and many middle-income families who qualified for larger credits in recent years will see smaller subsidies in 2026. If your plan cost jumped significantly, this is the reason.
If your household earns at or below 250% FPL and you enroll in a Silver plan, you may also qualify for Cost-Sharing Reductions (CSRs). These are separate from the premium tax credit and reduce your deductible, copays, and out-of-pocket maximum. CSRs can only be applied to Silver plans, so choosing the right plan tier matters.
Keep in mind that subsidy amounts also depend on the benchmark plan cost in your specific county, so two families with identical incomes in different zip codes may receive different amounts. The only reliable way to know your exact subsidy is to run the calculation with your actual numbers.
Call us at (305) 330-1277 or See what you qualify for and we'll calculate your family's eligibility and show you what plans actually cost after your tax credit is applied.
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