# ACA subsidy cliff by state (2027)

At 400% of the federal poverty line the ACA premium tax credit drops to zero. This is what earning $1 over that line costs a couple, both 60, at each state's average benchmark premium (2026 premiums; states with their own age curve use a couple aged 40).

Check your own household with the free [ACA subsidy cliff calculator](https://rulecost.com/health/aca-subsidy-cliff-calculator/).

| State | Couple | Benchmark, both (monthly) | Lost at the cliff (yearly) |
|---|---|---|---|
| [Wyoming](https://rulecost.com/health/aca-subsidy-cliff/wyoming/) | age 60 | $4,630 | $46,714 |
| [West Virginia](https://rulecost.com/health/aca-subsidy-cliff/west-virginia/) | age 60 | $4,558 | $45,850 |
| [Alaska](https://rulecost.com/health/aca-subsidy-cliff/alaska/) | age 60 | $4,384 | $41,550 |
| [Connecticut](https://rulecost.com/health/aca-subsidy-cliff/connecticut/) | age 60 | $3,696 | $35,506 |
| [Arkansas](https://rulecost.com/health/aca-subsidy-cliff/arkansas/) | age 60 | $3,288 | $30,610 |
| [Tennessee](https://rulecost.com/health/aca-subsidy-cliff/tennessee/) | age 60 | $3,020 | $27,394 |
| [Nebraska](https://rulecost.com/health/aca-subsidy-cliff/nebraska/) | age 60 | $3,016 | $27,346 |
| [Maine](https://rulecost.com/health/aca-subsidy-cliff/maine/) | age 60 | $3,012 | $27,298 |
| [Montana](https://rulecost.com/health/aca-subsidy-cliff/montana/) | age 60 | $2,940 | $26,434 |
| [Delaware](https://rulecost.com/health/aca-subsidy-cliff/delaware/) | age 60 | $2,934 | $26,362 |
| [Florida](https://rulecost.com/health/aca-subsidy-cliff/florida/) | age 60 | $2,900 | $25,954 |
| [Kansas](https://rulecost.com/health/aca-subsidy-cliff/kansas/) | age 60 | $2,846 | $25,306 |
| [Texas](https://rulecost.com/health/aca-subsidy-cliff/texas/) | age 60 | $2,808 | $24,850 |
| [South Dakota](https://rulecost.com/health/aca-subsidy-cliff/south-dakota/) | age 60 | $2,782 | $24,538 |
| [Illinois](https://rulecost.com/health/aca-subsidy-cliff/illinois/) | age 60 | $2,744 | $24,082 |
| [Louisiana](https://rulecost.com/health/aca-subsidy-cliff/louisiana/) | age 60 | $2,744 | $24,082 |
| [North Carolina](https://rulecost.com/health/aca-subsidy-cliff/north-carolina/) | age 60 | $2,710 | $23,674 |
| [New Mexico](https://rulecost.com/health/aca-subsidy-cliff/new-mexico/) | age 60 | $2,646 | $22,906 |
| [Georgia](https://rulecost.com/health/aca-subsidy-cliff/georgia/) | age 60 | $2,612 | $22,498 |
| [Washington](https://rulecost.com/health/aca-subsidy-cliff/washington/) | age 60 | $2,600 | $22,354 |
| [Vermont](https://rulecost.com/health/aca-subsidy-cliff/vermont/) | age 60 | $2,598 | $22,330 |
| [Wisconsin](https://rulecost.com/health/aca-subsidy-cliff/wisconsin/) | age 60 | $2,596 | $22,306 |
| [Missouri](https://rulecost.com/health/aca-subsidy-cliff/missouri/) | age 60 | $2,570 | $21,994 |
| [Oklahoma](https://rulecost.com/health/aca-subsidy-cliff/oklahoma/) | age 60 | $2,566 | $21,946 |
| [Kentucky](https://rulecost.com/health/aca-subsidy-cliff/kentucky/) | age 60 | $2,506 | $21,226 |
| [Pennsylvania](https://rulecost.com/health/aca-subsidy-cliff/pennsylvania/) | age 60 | $2,430 | $20,314 |
| [California](https://rulecost.com/health/aca-subsidy-cliff/california/) | age 60 | $2,420 | $20,194 |
| [North Dakota](https://rulecost.com/health/aca-subsidy-cliff/north-dakota/) | age 60 | $2,420 | $20,194 |
| [South Carolina](https://rulecost.com/health/aca-subsidy-cliff/south-carolina/) | age 60 | $2,396 | $19,906 |
| [Colorado](https://rulecost.com/health/aca-subsidy-cliff/colorado/) | age 60 | $2,366 | $19,546 |
| [New Jersey](https://rulecost.com/health/aca-subsidy-cliff/new-jersey/) | age 60 | $2,314 | $18,922 |
| [Arizona](https://rulecost.com/health/aca-subsidy-cliff/arizona/) | age 60 | $2,260 | $18,274 |
| [Michigan](https://rulecost.com/health/aca-subsidy-cliff/michigan/) | age 60 | $2,222 | $17,818 |
| [Hawaii](https://rulecost.com/health/aca-subsidy-cliff/hawaii/) | age 60 | $2,298 | $17,401 |
| [Ohio](https://rulecost.com/health/aca-subsidy-cliff/ohio/) | age 60 | $2,178 | $17,290 |
| [Rhode Island](https://rulecost.com/health/aca-subsidy-cliff/rhode-island/) | age 60 | $2,150 | $16,954 |
| [Iowa](https://rulecost.com/health/aca-subsidy-cliff/iowa/) | age 60 | $2,128 | $16,690 |
| [Nevada](https://rulecost.com/health/aca-subsidy-cliff/nevada/) | age 60 | $2,110 | $16,474 |
| [Idaho](https://rulecost.com/health/aca-subsidy-cliff/idaho/) | age 60 | $2,082 | $16,138 |
| [Indiana](https://rulecost.com/health/aca-subsidy-cliff/indiana/) | age 60 | $2,014 | $15,322 |
| [Virginia](https://rulecost.com/health/aca-subsidy-cliff/virginia/) | age 60 | $1,932 | $14,338 |
| [Maryland](https://rulecost.com/health/aca-subsidy-cliff/maryland/) | age 60 | $1,758 | $12,250 |
| [New Hampshire](https://rulecost.com/health/aca-subsidy-cliff/new-hampshire/) | age 60 | $1,704 | $11,602 |
| [New York](https://rulecost.com/health/aca-subsidy-cliff/new-york/) | age 60 | $1,634 | $10,762 |
| [Mississippi](https://rulecost.com/health/aca-subsidy-cliff/mississippi/) | age 40 | $1,324 | $7,042 |
| [Alabama](https://rulecost.com/health/aca-subsidy-cliff/alabama/) | age 40 | $1,290 | $6,634 |
| [Utah](https://rulecost.com/health/aca-subsidy-cliff/utah/) | age 40 | $1,280 | $6,514 |
| [District of Columbia](https://rulecost.com/health/aca-subsidy-cliff/district-of-columbia/) | age 40 | $1,220 | $5,794 |
| [Oregon](https://rulecost.com/health/aca-subsidy-cliff/oregon/) | age 40 | $1,086 | $4,186 |
| [Massachusetts](https://rulecost.com/health/aca-subsidy-cliff/massachusetts/) | age 40 | $988 | $3,010 |
| [Minnesota](https://rulecost.com/health/aca-subsidy-cliff/minnesota/) | age 40 | $896 | $1,906 |

## Sources

- [Average Marketplace Premiums by Metal Tier, 2026](https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/), KFF
- [Market Rating Reforms: State Specific Rating Variations](https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Market-Reforms/state-rating), Centers for Medicare & Medicaid Services
- [Status of State Action on the Medicaid Expansion Decision](https://www.kff.org/affordable-care-act/state-indicator/state-activity-around-expanding-medicaid-under-the-affordable-care-act/), KFF
- [Medicaid Income Eligibility Limits for Parents, 2002–2026](https://www.kff.org/affordable-care-act/state-indicator/medicaid-income-eligibility-limits-for-parents/), KFF
- [How Many Uninsured Are in the Coverage Gap and How Many Could be Eligible if All States Adopted the Medicaid Expansion?](https://www.kff.org/medicaid/how-many-uninsured-are-in-the-coverage-gap-and-how-many-could-be-eligible-if-all-states-adopted-the-medicaid-expansion/), KFF
- [An Early Look at Policy Decisions as States Get Ready to Implement Work Requirements](https://www.kff.org/medicaid/an-early-look-at-policy-decisions-as-states-get-ready-to-implement-work-requirements/), KFF
- [26 CFR § 1.36B-2(b)(6) — Taxpayers with household income below 100 percent of the poverty line](https://www.law.cornell.edu/cfr/text/26/1.36B-2), Legal Information Institute, Cornell Law School
- [A Summary of National Medicaid Work Requirements](https://www.chcs.org/resource/a-summary-of-national-medicaid-work-requirements/), Center for Health Care Strategies
- [Early Signals Suggest a Second Year of Double-Digit Marketplace Premium Increases](https://chir.georgetown.edu/early-signals-suggest-a-second-year-of-double-digit-marketplace-premium-increases/), Georgetown University Center on Health Insurance Reforms