Alaska ACA Subsidy Cliff Calculator 2026
Alaska benchmark silver plan: $1032/mo (age 40). The subsidy cliff for a single person is $78,200.
Tell us about your household
Alaska 2026 Subsidy Cliff Thresholds (400% FPL)
| Household Size | 400% FPL Cliff | Max 9.96% Premium |
|---|---|---|
| 1 person | $78,200 | $7,789/yr |
| 2 people | $105,720 | $10,530/yr |
| 3 people | $133,240 | $13,271/yr |
| 4 people | $160,760 | $16,012/yr |
| 5 people | $188,280 | $18,753/yr |
| 6 people | $215,800 | $21,494/yr |
Source: HHS 2025 FPL Guidelines (Alaska). Max premium = 9.96% of income at 300-400% FPL (IRS Rev. Proc. 2025-25).
How the ACA Subsidy Cliff Works in Alaska
Alaska residents shopping for 2026 health insurance on the federal marketplace (HealthCare.gov) face the return of the 400% FPL subsidy cliff. The benchmark second-lowest-cost silver plan (SLCSP) in Alaska averages $1032/month for a 40-year-old — adjusted up or down by the federal 3:1 age curve for other ages.
Since Alaska has expanded Medicaid, residents with income below 138% FPL (about $26,979 for an individual) may qualify for Medicaid rather than marketplace coverage. The subsidy cliff primarily affects Alaska residents earning between 138% and 400% FPL.
The calculator above uses Alaska-specific SLCSP data and the Alaska-specific federal poverty guidelines (higher than the contiguous 48 states) to calculate your exact subsidy and show how pre-tax contributions (HSA, IRA, Solo 401k) can help you stay below the cliff.