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Quick Reference — 2026
All figures are official CMS / IRS / HealthCare.gov-released amounts effective January 1, 2026. Always verify plan-specific details with the carrier.
Key ACA Numbers
FPL (1 person)
$15,650
2026 federal level
FPL (4 people)
$32,150
2026 federal level
Self-only MOOP cap
$9,250
2026 maximum
Silver CSR threshold
≤250% FPL
Cost-sharing eligible
Subsidy cap (current)
8.5%
Of household income, IRA-extended