# Benefits cliff in Hawaii

In Hawaii, a family of three loses SNAP above $5,237 a month in gross income (200% of the poverty line), its children's Medicaid or CHIP above $98,345 a year (313%), and the ACA premium tax credit above $125,680 a year (400%).

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

| People | SNAP gross limit / month | Children’s coverage / year | ACA credit / year |
|---|---|---|---|
| 1 | $3,060 | — | $73,440 |
| 2 | $4,149 | $77,906 | $99,560 |
| 3 | $5,237 | $98,345 | $125,680 |
| 4 | $6,325 | $118,784 | $151,800 |
| 5 | $7,414 | $139,222 | $177,920 |
| 6 | $8,502 | $159,661 | $204,040 |
| 7 | $9,590 | $180,100 | $230,160 |
| 8 | $10,679 | $200,539 | $256,280 |

SNAP: Hawaii uses broad-based categorical eligibility (200% of the poverty line; no asset limit).

Income limits only — SNAP also has a net income test and deductions, and households with someone 60+ or disabled are not subject to the gross limit. Not an eligibility decision.

## Sources

- [SNAP Fiscal Year 2027 Cost-of-Living Adjustments](https://www.fns.usda.gov/snap/allotment/cola), USDA Food and Nutrition Service
- [Broad-Based Categorical Eligibility (BBCE) States Chart, June 2026](https://www.fns.usda.gov/sites/default/files/resource-files/BBCE-States-Chart-June2026.pdf), USDA Food and Nutrition Service
- [Medicaid and CHIP Income Eligibility Limits for Children as a Percent of the Federal Poverty Level](https://www.kff.org/medicaid/state-indicator/medicaid-and-chip-income-eligibility-limits-for-children-as-a-percent-of-the-federal-poverty-level/), KFF