# Benefits cliff in Texas

In Texas, a family of three loses SNAP above $3,757 a month in gross income (165% of the poverty line), its children's Medicaid or CHIP above $56,279 a year (206%), and the ACA premium tax credit above $109,280 a year (400%).

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

| People | SNAP gross limit / month | Children’s coverage / year | ACA credit / year |
|---|---|---|---|
| 1 | $2,195 | — | $63,840 |
| 2 | $2,976 | $44,578 | $86,560 |
| 3 | $3,757 | $56,279 | $109,280 |
| 4 | $4,538 | $67,980 | $132,000 |
| 5 | $5,319 | $79,681 | $154,720 |
| 6 | $6,100 | $91,382 | $177,440 |
| 7 | $6,881 | $103,082 | $200,160 |
| 8 | $7,662 | $114,783 | $222,880 |

SNAP: Texas uses broad-based categorical eligibility (165% of the poverty line; asset limit $5,000, not counting one vehicle worth up to $22,000).

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