# Pennsylvania ACA subsidy cliff 2027

For 2027 coverage in Pennsylvania, the premium tax credit ends above $86,560 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 $2,430 a month for both, going $1 over costs about $20,314 a year.

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

- Average benchmark premium, age 40 (2026): $572 a month
- Age rating: federal default age curve
- Medicaid expansion: yes (below 138% of the poverty line)

## Where and when to enroll in Pennsylvania for 2027

Enroll through [Pennie](https://pennie.com). 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 Pennsylvania for 2027 when checked (2026-10-13).

Source: https://www.porh.psu.edu/pa-health-insurance-exchange-2027-open-enrollment-period-returns-to-november-1-2026-january-15-2027/

## 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 | $63,840 | $22,025 | $23,940 | $39,900 |
| 2 | $86,560 | $29,863 | $32,460 | $54,100 |
| 3 | $109,280 | $37,702 | $40,980 | $68,300 |
| 4 | $132,000 | $45,540 | $49,500 | $82,500 |
| 5 | $154,720 | $53,378 | $58,020 | $96,700 |
| 6 | $177,440 | $61,217 | $66,540 | $110,900 |
| 7 | $200,160 | $69,055 | $75,060 | $125,100 |
| 8 | $222,880 | $76,894 | $83,580 | $139,300 |

## Medicaid in Pennsylvania

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