The 2027 income chart.
| Household | 100% | 138% | 150% | 200% | 250% | 300% | 400% |
|---|---|---|---|---|---|---|---|
| 1 | $15,960 | $22,025 | $23,940 | $31,920 | $39,900 | $47,880 | $63,840 |
| 2 | $21,640 | $29,863 | $32,460 | $43,280 | $54,100 | $64,920 | $86,560 |
| 3 | $27,320 | $37,702 | $40,980 | $54,640 | $68,300 | $81,960 | $109,280 |
| 4 | $33,000 | $45,540 | $49,500 | $66,000 | $82,500 | $99,000 | $132,000 |
| 5 | $38,680 | $53,378 | $58,020 | $77,360 | $96,700 | $116,040 | $154,720 |
| 6 | $44,360 | $61,217 | $66,540 | $88,720 | $110,900 | $133,080 | $177,440 |
What each line means.
| Income | What it usually unlocks for 2027 |
|---|---|
| Under 100% | No premium tax credit in most cases. In Oklahoma, SoonerCare covers adults to 138%. Texas has not expanded Medicaid, so many adults here fall in a coverage gap. |
| 100% to 138% | Oklahoma adults: usually SoonerCare instead of a Marketplace plan. Texas adults: premium tax credit plus the strongest silver savings. |
| 100% to 150% | Silver plans with 94% cost-sharing reductions (the richest level). Required contribution as low as 2.15% to 4.30% of income. |
| 150% to 200% | Silver plans with 87% cost-sharing reductions. |
| 200% to 250% | Silver plans with 73% cost-sharing reductions. |
| 250% to 400% | Premium tax credit only. You pay up to 10.22% of income for the benchmark silver plan. |
| Over 400% | No premium tax credit. You pay full price. See the subsidy cliff. |
What counts as income.
HealthCare.gov uses modified adjusted gross income for everyone in your tax household: you, your spouse if you file jointly, and anyone you claim as a dependent who has to file. That includes wages, net self-employment income, unemployment, taxable retirement withdrawals, investment income, and all of your Social Security. It does not include child support received, gifts, qualified Roth withdrawals or SSI.
Estimate the whole year, not one month. If you are self-employed or paid on commission, use your best honest projection and update it on HealthCare.gov when it changes.
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Get my free optionsQuestions people ask.
What is the income limit for Obamacare in 2027?
For the premium tax credit, generally 400% of the poverty level: $63,840 for one person, $86,560 for two, $132,000 for four. There is no income limit to buy a plan at full price.
Why does HealthCare.gov use last year's poverty guidelines?
Open Enrollment for 2027 happens in late 2026, before the 2027 guidelines are published in January. So 2027 Marketplace savings use the 2026 guidelines. Medicaid switches to new guidelines each year when they come out.
Is the 138% line only for Medicaid?
Yes. It matters in states that expanded Medicaid, such as Oklahoma. Texas has not expanded Medicaid, so in Texas the key lines are 100%, 150%, 200%, 250% and 400%.
Sources.
- HHS ASPE, 2026 poverty guidelines. aspe.hhs.gov
- HealthCare.gov glossary, Federal poverty level. healthcare.gov
- IRS Rev. Proc. 2026-26, 2027 applicable percentage table. irs.gov
- 45 CFR 156.420, Plan variations for cost-sharing reductions. ecfr.gov
- HealthCare.gov, What's included as income. healthcare.gov
General information for Texas and Oklahoma residents, not tax or legal advice. Rules and numbers can change; this page is reviewed on the date shown above. Your eligibility and prices are set by HealthCare.gov or the insurer when you apply.
Who wrote this.
RedHealth Advisors LLC is a licensed health insurance agency in Round Rock, Texas (Texas agency license 3449979, NPN 22110493), serving Texas and Oklahoma. Ryan Hutson is a licensed agent (NPN 21321807). Licensing details.