ACA Subsidy Cliff Calculator by State
Benchmark silver plan premiums, Medicaid expansion, and subsidy cliff thresholds vary significantly across states. Select yours below for a personalized 2026 calculation.
All 50 States + DC: 2026 ACA Subsidy Data
| State | SLCSP (Age 40) | Medicaid Expanded | Exchange | 400% FPL (Single) | Calculator |
|---|---|---|---|---|---|
| Alabama | $645/mo | No | Federal | $62,600 | Calculate → |
| Alaska | $1032/mo | Yes | Federal | $78,200 | Calculate → |
| Arizona | $532/mo | Yes | Federal | $62,600 | Calculate → |
| Arkansas | $774/mo | Yes | State (Fed) | $62,600 | Calculate → |
| California | $570/mo | Yes | State | $62,600 | Calculate → |
| Colorado | $557/mo | Yes | State | $62,600 | Calculate → |
| Connecticut | $870/mo | Yes | State | $62,600 | Calculate → |
| Delaware | $691/mo | Yes | Federal | $62,600 | Calculate → |
| District of Columbia | $610/mo | Yes | State | $62,600 | Calculate → |
| Florida | $683/mo | No | Federal | $62,600 | Calculate → |
| Georgia | $615/mo | No | State | $62,600 | Calculate → |
| Hawaii | $541/mo | Yes | Federal | $71,960 | Calculate → |
| Idaho | $490/mo | Yes | State | $62,600 | Calculate → |
| Illinois | $646/mo | Yes | State (Fed) | $62,600 | Calculate → |
| Indiana | $474/mo | Yes | Federal | $62,600 | Calculate → |
| Iowa | $501/mo | Yes | Federal | $62,600 | Calculate → |
| Kansas | $670/mo | No | Federal | $62,600 | Calculate → |
| Kentucky | $590/mo | Yes | State | $62,600 | Calculate → |
| Louisiana | $646/mo | Yes | Federal | $62,600 | Calculate → |
| Maine | $709/mo | Yes | State | $62,600 | Calculate → |
| Maryland | $414/mo | Yes | State | $62,600 | Calculate → |
| Massachusetts | $494/mo | Yes | State | $62,600 | Calculate → |
| Michigan | $523/mo | Yes | Federal | $62,600 | Calculate → |
| Minnesota | $448/mo | Yes | State | $62,600 | Calculate → |
| Mississippi | $662/mo | No | Federal | $62,600 | Calculate → |
| Missouri | $605/mo | Yes | Federal | $62,600 | Calculate → |
| Montana | $692/mo | Yes | Federal | $62,600 | Calculate → |
| Nebraska | $710/mo | Yes | Federal | $62,600 | Calculate → |
| Nevada | $497/mo | Yes | State | $62,600 | Calculate → |
| New Hampshire | $401/mo | Yes | Federal | $62,600 | Calculate → |
| New Jersey | $545/mo | Yes | State | $62,600 | Calculate → |
| New Mexico | $623/mo | Yes | State | $62,600 | Calculate → |
| New York | $817/mo | Yes | State | $62,600 | Calculate → |
| North Carolina | $638/mo | Yes | Federal | $62,600 | Calculate → |
| North Dakota | $570/mo | Yes | Federal | $62,600 | Calculate → |
| Ohio | $513/mo | Yes | Federal | $62,600 | Calculate → |
| Oklahoma | $604/mo | Yes | Federal | $62,600 | Calculate → |
| Oregon | $543/mo | Yes | State (Fed) | $62,600 | Calculate → |
| Pennsylvania | $572/mo | Yes | State | $62,600 | Calculate → |
| Rhode Island | $506/mo | Yes | State | $62,600 | Calculate → |
| South Carolina | $564/mo | No | Federal | $62,600 | Calculate → |
| South Dakota | $655/mo | Yes | Federal | $62,600 | Calculate → |
| Tennessee | $711/mo | No | Federal | $62,600 | Calculate → |
| Texas | $661/mo | No | Federal | $62,600 | Calculate → |
| Utah | $640/mo | Yes | Federal | $62,600 | Calculate → |
| Vermont | $1299/mo | Yes | State | $62,600 | Calculate → |
| Virginia | $455/mo | Yes | State | $62,600 | Calculate → |
| Washington | $612/mo | Yes | State | $62,600 | Calculate → |
| West Virginia | $1073/mo | Yes | Federal | $62,600 | Calculate → |
| Wisconsin | $611/mo | No | Federal | $62,600 | Calculate → |
| Wyoming | $1090/mo | No | Federal | $62,600 | Calculate → |
SLCSP = Second Lowest Cost Silver Plan (benchmark for subsidy calculation). Premiums shown are state-level averages for a 40-year-old from KFF/CMS 2026 data. 400% FPL based on HHS 2025 Federal Poverty Level Guidelines used for 2026 ACA eligibility.
About This Data
All data on this page is sourced from official government and nonpartisan research organizations. SLCSP premiums come from KFF and CMS public-use files for the 2026 plan year. Federal Poverty Level guidelines are from HHS (2025 FPL is used for 2026 ACA eligibility, per standard CMS practice). Applicable percentage tables are from IRS Revenue Procedure 2025-25. Age curve factors follow 45 CFR 147.102 (federal 3:1 default).
State-level SLCSP premiums are weighted averages and may not match your county or rating area exactly. For your precise SLCSP, use the HealthCare.gov Tax Tool or your state marketplace.
Last updated: March 2026. Data sources: IRS Rev. Proc. 2025-25, HHS 2025 FPL Guidelines, KFF 2026 SLCSP Benchmarks, 45 CFR 147.102.