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2026 ACA Income Limit Chart
- Below 100% FPL: Medicaid eligible in expansion states. Not eligible for Marketplace subsidies.
- 100%–138% FPL: Medicaid in expansion states. Marketplace eligible in non-expansion states.
- 138%–400% FPL: Core subsidy zone — premium tax credits and CSRs (on Silver plans up to 250%).
- 400%+ FPL: Subsidies available if benchmark plan exceeds 8.5% of income.
What Counts as Income for ACA Purposes?
The ACA uses Modified Adjusted Gross Income (MAGI), which includes:
- Wages, salaries, and self-employment income
- Social Security benefits (a portion, depending on filing status)
- Interest, dividends, and capital gains
- Alimony received (if divorce finalized before 2019)
- Tax-exempt interest income
It does NOT include: child support, gifts, veterans' disability payments, or inheritances.
Income Changes During the Year
If your income changes significantly during the year, update your Marketplace application immediately. Over-estimating income means you receive less subsidy than you’re entitled to. Under-estimating means you may owe money back at tax time.
See also: Subsidy Calculator • ACA vs Medicaid