For 2026 ACA coverage the 400%-of-poverty subsidy cliff is $62,600 of household income for one person and $84,600 for a household of two. Because the enhanced subsidy schedule expired after 2025, in 2026 household income above 400% of the poverty line receives no premium tax credit at all.
2026 ACA cliff by household size
| Household size | 100% FPL | 400% FPL (cliff) |
|---|---|---|
| 1 | $15,650 | $62,600 |
| 2 | $21,150 | $84,600 |
| 3 | $26,650 | $106,600 |
| 4 | $32,150 | $128,600 |
| 5 | $37,650 | $150,600 |
Methodology
Computed as 400% of the 2026 federal poverty guidelines (FPL_2026) using the cliff percentage in QuantCalc's ACA constants. See the 2026 FPL dataset and the ACA bridge-income study.
Every figure on this page is computed at build time from QuantCalc's parity-tested calculation modules or a committed dataset — never hand-entered. Reference for research and planning only; not tax, legal, or investment advice.
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Changelog
- v2026.1 — first publication. Figures computed from the 2026 tax-constants mirror and committed datasets.
Cite this dataset
QuantCalc Research (2026). What is the 400% federal poverty level (FPL) subsidy cliff for ACA coverage in 2026?. https://quantcalc.app/answers/aca-400-percent-fpl-cliff/ (accessed <date>).
BibTeX
@misc{quantcalc2026whatisthe400federalpovertylevelfplsubsid,
title = {What is the 400% federal poverty level (FPL) subsidy cliff for ACA coverage in 2026?},
author = {{QuantCalc Research}},
year = {2026},
url = {https://quantcalc.app/answers/aca-400-percent-fpl-cliff/},
note = {Accessed <date>}
}Machine-readable citation metadata (schema.org identifier and citation fields) is embedded in this page's JSON-LD, at the stable identifier https://quantcalc.app/answers/aca-400-percent-fpl-cliff/.