# Hawaii ACA subsidy cliff 2027

For 2027 coverage in Hawaii, the premium tax credit ends above $99,560 of income for a couple (400% of the poverty line). For a 60-year-old couple at the state's average benchmark premium of about $2,298 a month for both, going $1 over costs about $17,401 a year.

Check your own household with the free [calculator on this page](https://rulecost.com/health/aca-subsidy-cliff/hawaii/), prefilled for Hawaii.

- Average benchmark premium, age 40 (2026): $541 a month
- Age rating: federal default age curve
- Medicaid expansion: yes (below 138% of the poverty line)

## Where and when to enroll in Hawaii for 2027

Enroll through [HealthCare.gov](https://www.healthcare.gov). Open enrollment: 2026-11-01 to 2027-01-15 (sign up by 2026-12-15 for coverage from 1 January).

No state-funded premium help on top of the federal credit had been announced in Hawaii for 2027 when checked (2026-10-13).

Source: https://www.healthcare.gov/quick-guide/dates-and-deadlines/

## 2027 income limits by household size

Yearly income, from the 2026 federal poverty guidelines used for 2027 Marketplace coverage. "94% Silver" is the cost-sharing reduction at or under 150% of the poverty line; Silver extras end above 250%.

| People | Subsidy ends above (400%) | Medicaid up to (138%) | 94% Silver up to (150%) | Silver extras end (250%) |
|---|---|---|---|---|
| 1 | $73,440 | $25,337 | $27,540 | $45,900 |
| 2 | $99,560 | $34,348 | $37,335 | $62,225 |
| 3 | $125,680 | $43,360 | $47,130 | $78,550 |
| 4 | $151,800 | $52,371 | $56,925 | $94,875 |
| 5 | $177,920 | $61,382 | $66,720 | $111,200 |
| 6 | $204,040 | $70,394 | $76,515 | $127,525 |
| 7 | $230,160 | $79,405 | $86,310 | $143,850 |
| 8 | $256,280 | $88,417 | $96,105 | $160,175 |

## Medicaid in Hawaii

Adults 19 to 64 up to 138% of the poverty line qualify for Medicaid instead of a Marketplace subsidy. From 1 January 2027 (earlier in some states, later where HHS grants an extension) most of them must show 80 hours a month of work, community service, a work program or half-time school, or $580 a month of earnings, unless exempt.

Premiums are 2026 averages; 2027 premiums are published in late October.

## 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
- [42 U.S.C. § 18071 — Reduced cost-sharing for individuals enrolling in qualified health plans](https://www.law.cornell.edu/uscode/text/42/18071), Legal Information Institute, Cornell Law School