Am I Over the 400% FPL Subsidy Cliff?
A quick estimate of where your household falls relative to the 2026 ACA subsidy cliff, based on household size and estimated annual income.
Reviewed by Cameron Erwin, Licensed Tennessee Insurance Agent (TDCI License #3004250804)
Check your household against the 2026 cliff
This calculator estimates where your household falls using 2025 federal poverty guidelines (the guidelines used to determine 2026 Marketplace subsidy eligibility) for the 48 contiguous states. It's an estimate to help you plan, not an eligibility determination — confirm your exact subsidy with a licensed agent or on HealthCare.gov before enrolling.
How this is calculated
The 100% federal poverty level for 2025 (used for 2026 Marketplace subsidy eligibility) is $15,060 for a household of one in the 48 contiguous states, increasing by approximately $5,380 for each additional household member. The 400% threshold is simply four times that number. Since Tennessee has not expanded Medicaid, the subsidy-eligible range here runs from 100% to 400% of the federal poverty level — households below 100% FPL generally aren't eligible for either TennCare or Marketplace subsidies in Tennessee, which is the coverage gap discussed on our statewide cost & subsidy guide.
What to do with your result
- Under 400% FPL: you're likely still eligible for a premium tax credit — get an exact quote before assuming a plan is unaffordable.
- Near the line: see our guide on legitimately lowering your MAGI to see if staying under 400% FPL is realistic for your household.
- Over 400% FPL: you won't receive a subsidy under current rules — see our coverage options guide for what to compare instead.
- Self-employed with variable income: see our self-employed subsidy cliff guide for tools specific to fluctuating income.
Related guides
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