The ACA subsidy cliff in Texas (2026)
Enroll through HealthCare.gov. Here is what the 400% cliff means for Texas residents this year.
| What | 2026 figure |
|---|---|
| 400% FPL — single person | $62,600 |
| 400% FPL — household of 2 | $84,600 |
| State exchange | HealthCare.gov |
| Est. benchmark silver premium (age 60)* | $1,150/mo |
| Est. subsidy at stake near the cliff* | ~$8,300/yr |
*Estimates for education. Exact premiums depend on your county, age, and plan — confirm on HealthCare.gov.
Over the line in Texas? Your options
The strategies are federal, so they work the same in Texas: lower your MAGI under 400%, HSA + Bronze plan, or — if self-employed — an ICHRA.
Frequently asked
What is the ACA subsidy cliff income limit in Texas for 2026?
The cliff is 400% of the federal poverty level, the same in all 48 contiguous states: about $62,600 for one person and $84,600 for a household of two for 2026 coverage. Above that, the premium subsidy in Texas drops to $0.
Where do I enroll in Texas?
Texas residents enroll through HealthCare.gov (https://www.healthcare.gov/). Open Enrollment for 2027 coverage begins November 1, 2026.
Talk to a licensed broker about your options
Free, no obligation. A broker can price your 2026 Texas plans and the strategy moves.
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