You, a spouse and dependents
Your best estimate of adjusted gross income, for everyone in the household
A month: the second-cheapest Silver plan for the people you’re covering. Preview plans on HealthCare.gov and sort the Silver plans by price. Optional.
More options· Compare a plan
Its price a month before the credit, such as a Bronze or Gold plan
You’d pay for a benchmark Silver plan
$289 a month
8.68% of your income, at 251% of the poverty line. The tax credit pays the rest.
- A year
- $3,472
- Credit ends at
- $63,840
Add the benchmark plan’s price to see your tax credit: it’s that price less $289.
What this means
Your credit is the same whichever plan you choose, so a cheaper plan costs you less each month: some Bronze plans may cost little or nothing after the credit, but have much higher deductibles.
The credit is based on your estimate. If your income ends up higher, you pay back the extra when you file your 2027 taxes, with no limit on the amount, so tell the Marketplace if your income changes.
Your household of 1
| Poverty line | $15,960 |
| Your income | $40,000 (251%) |
| Medicaid for adults | Not expanded |
| Tax credit ends above | $63,840 |
| Your share of income | 8.68% |
| You pay for the benchmark | $289/mo |
What you’d pay as income rises
Assumptions in this estimate
- For 2027 coverage, with the 2026 poverty guidelines and the IRS’s 2027 table: from 2.15% of income near the poverty line to 10.22% from 300% to 400% of it.
- Income is modified adjusted gross income: your AGI plus any untaxed Social Security, tax-exempt interest and foreign income, for everyone in the tax household who has to file.
- You can’t get the credit if you can get affordable coverage through a job (self-only cover costing up to 10.22% of household income in 2027), Medicare, or Medicaid. Married couples must file jointly.
- Medicaid limits are for adults under 65 and use the same household size; states count income and households in their own ways, and some cover adults above the limit shown.
- Some states add their own help on top of the federal credit. Rules on immigration status also apply: HealthCare.gov checks them when you apply.