ACA premiums and subsidies for 2027
Open enrollment starts November 1. The benchmark silver plan for a 40-year-old averages $704 a month nationally for 2027, up about 13%. With the enhanced credits gone, you pay 2.15% to 10.22% of income for the benchmark plan up to 400% of the poverty line and the full premium above it. Enter your household to see the estimate for your state.
Your household
Children under 21 count at the child rate; at most three children are charged.
Estimate
2027 applicable percentages IRS Rev. Proc. 2026-26
| Household income (% of FPL) | Initial % | Final % | Income, one person (2026 FPL) | Income, family of four |
|---|---|---|---|---|
| Under 133% | 2.15% | 2.15% | up to $21,227 | up to $43,890 |
| 133% to 150% | 3.23% | 4.30% | $21,227 – $23,940 | $43,890 – $49,500 |
| 150% to 200% | 4.30% | 6.78% | $23,940 – $31,920 | $49,500 – $66,000 |
| 200% to 250% | 6.78% | 8.66% | $31,920 – $39,900 | $66,000 – $82,500 |
| 250% to 300% | 8.66% | 10.22% | $39,900 – $47,880 | $82,500 – $99,000 |
| 300% to 400% | 10.22% | 10.22% | $47,880 – $63,840 | $99,000 – $132,000 |
The percentage of income you are expected to pay for the benchmark plan, sliding within each band. 2026 federal poverty guideline: $15,960 for one person plus $5,680 per additional person (Alaska and Hawaii higher). Below 100% FPL no credit (138% in Medicaid-expansion states, where Medicaid applies instead); above 400% no credit.
Benchmark premium and rate change by state
| # | State | Benchmark, age 40 | Age 27 | Age 60 | 2027 rate change | Status |
|---|---|---|---|---|---|---|
| 1 | Vermont | $1,313 | $1,077 | $2,788 | +3.0% | final |
| 2 | Alaska | $1,284 | $1,053 | $2,727 | +22.9% | proposed |
| 3 | Wyoming | $1,190 | $976 | $2,527 | +11.2% | final |
| 4 | West Virginia | $1,185 | $972 | $2,517 | +18.3% | proposed |
| 5 | New York | $1,041 | $854 | $2,211 | +6.0% | final |
| 6 | Connecticut | $1,005 | $824 | $2,134 | +11.2% | final |
| 7 | Montana | $889 | $729 | $1,888 | +22.6% | proposed |
| 8 | Delaware | $876 | $718 | $1,860 | +16.5% | final |
| 9 | Mississippi | $814 | $668 | $1,729 | +21.8% | proposed |
| 10 | Maine | $804 | $659 | $1,707 | +14.8% | final |
| 11 | Tennessee | $796 | $653 | $1,690 | +12.7% | proposed |
| 12 | Nebraska | $780 | $640 | $1,656 | +13.3% | proposed |
| 13 | Washington | $768 | $630 | $1,631 | +22.2% | final |
| 14 | Arkansas | $757 | $621 | $1,608 | +7.0% | final |
| 15 | Kansas | $748 | $613 | $1,588 | +24.2% | proposed |
| 16 | Florida | $738 | $605 | $1,567 | +10.4% | final |
| 17 | Texas | $737 | $604 | $1,565 | +13.1% | proposed |
| 18 | Georgia | $733 | $601 | $1,557 | +20.7% | final |
| 19 | Louisiana | $730 | $599 | $1,550 | +18.1% | final |
| 20 | New Mexico | $725 | $595 | $1,540 | +24.4% | final |
| 21 | Wisconsin | $720 | $590 | $1,529 | +21.7% | final |
| 22 | Utah | $716 | $587 | $1,521 | +6.7% | final |
| 23 | Alabama | $712 | $584 | $1,512 | +25.0% | final |
| 24 | Illinois | $707 | $580 | $1,501 | +14.1% | final |
| 25 | South Dakota | $704 | $577 | $1,495 | +10.4% | final |
| 26 | South Carolina | $702 | $576 | $1,491 | +22.1% | final |
| 27 | Oklahoma | $686 | $563 | $1,457 | +20.2% | proposed |
| 28 | District of Columbia | $678 | $556 | $1,440 | +9.9% | final |
| 29 | Missouri | $675 | $554 | $1,433 | +12.3% | final |
| 30 | Kentucky | $667 | $547 | $1,416 | +18.7% | final |
| 31 | New Jersey | $665 | $545 | $1,412 | +19.8% | final |
| 32 | North Carolina | $660 | $541 | $1,402 | +14.0% | final |
| 33 | California | $655 | $537 | $1,391 | +9.9% | proposed |
| 34 | Pennsylvania | $648 | $531 | $1,376 | +16.0% | final |
| 35 | Rhode Island | $629 | $516 | $1,336 | +12.4% | final |
| 36 | Colorado | $615 | $504 | $1,306 | +10.0% | final |
| 37 | North Dakota | $610 | $500 | $1,295 | +17.1% | final |
| 38 | Arizona | $609 | $499 | $1,293 | +27.9% | final |
| 39 | Ohio | $603 | $494 | $1,281 | +16.3% | final |
| 40 | Michigan | $595 | $488 | $1,264 | +14.5% | final |
| 41 | Hawaii | $592 | $485 | $1,257 | +12.7% | final |
| 42 | Nevada | $565 | $463 | $1,200 | +17.0% | final |
| 43 | Idaho | $553 | $453 | $1,174 | +12.0% | final |
| 44 | Massachusetts | $551 | $452 | $1,170 | +10.8% | final |
| 45 | Virginia | $549 | $450 | $1,166 | +15.8% | final |
| 46 | Indiana | $537 | $440 | $1,140 | +17.5% | final |
| 47 | Iowa | $528 | $433 | $1,121 | +5.7% | final |
| 48 | Minnesota | $525 | $431 | $1,115 | +17.7% | final |
| 49 | Oregon | $519 | $426 | $1,102 | +21.6% | final |
| 50 | Maryland | $491 | $403 | $1,043 | +14.6% | final |
| 51 | New Hampshire | $486 | $399 | $1,032 | +18.4% | proposed |
Benchmark = second-lowest-cost silver plan, lowest-cost rating area weighting per KFF, 2027. Age 27 and 60 columns apply the federal 3:1 age curve (New York and Vermont do not use age rating, so their columns are approximate). Rate change = average approved (or proposed) individual-market increase across all metal levels. Sources: KFF: average benchmark premiums by state · healthinsurance.org: 2027 rate changes by state · IRS Rev. Proc. 2026-26 (2027 applicable percentages) · KFF: 9 things to watch for 2027 open enrollment.
What changed for 2027
- Finalized benchmark silver premiums rise 13% on average for 2027 (11% in HealthCare.gov states, 16% in state-run marketplaces), the second straight double-digit year; up 42% since 2025 (KFF).
- Premium tax credits now stop at 400% of the poverty line (about $63,840 for one person, $132,000 for a family of four); below 100% there is no credit outside Medicaid expansion.
- Refugees, asylees and most other lawfully present non-citizens lose tax-credit eligibility for 2027 (lawful permanent residents keep it); adults who lose Medicaid for not meeting work requirements cannot get credits.
- Repayment caps on excess credits are gone from the 2026 tax year: an income surprise means paying the whole overpayment back.
- State backfills: New Mexico, California (165–200% FPL added), New Jersey, Rhode Island and Virginia fund their own subsidies for 2027.
- Open enrollment runs Nov 1, 2026 to Jan 15, 2027 in most states; enroll by Dec 15 for Jan 1 coverage.