Data · 2027 estimates · updated October 23, 2026
Annual premium tax credit lost by earning $1 past 400% of the federal poverty level — benchmark silver plan, state averages, for couples aged 55, 60 and 64. Sorted by the age-60 couple column.
$55,831
Highest: West Virginia, couple 60
$11,938
Lowest: New York, couple 60
41 of 51
States + DC above $20,000 for a couple at 60
| State | Couple 55 | Couple 60 | Couple 64 | 2027 rate chg |
|---|---|---|---|---|
| West Virginia | $44,297 | $55,831 | $62,647 | +18.3%* |
| Alaska | $42,043 | $53,568 | $60,379 | +22.9%* |
| Wyoming | $41,952 | $52,977 | $59,492 | +11.3%* |
| Connecticut | $31,650 | $40,439 | $45,632 | +11.2% |
| Montana | $26,666 | $34,374 | $38,928 | +22.6% |
| Arkansas | $26,038 | $33,609 | $38,083 | +7.6%* |
| Kansas | $25,996 | $33,558 | $38,027 | +24.2%* |
| Maine | $25,242 | $32,641 | $37,013 | +14.8% |
| Alabama | $24,907 | $32,233 | $36,562 | +25% |
| Mississippi | $24,907 | $32,233 | $36,562 | +21.8%* |
| Delaware | $24,865 | $32,182 | $36,506 | +16.5% |
| Nebraska | $24,823 | $32,131 | $36,449 | +13.3%* |
| Tennessee | $24,698 | $31,978 | $36,280 | +12.7%* |
| Florida | $24,321 | $31,520 | $35,773 | +15.9%* |
| New Mexico | $23,609 | $30,653 | $34,816 | +24.4% |
| Louisiana | $23,106 | $30,041 | $34,139 | +18.1% |
| Texas | $22,478 | $29,277 | $33,294 | +13.1%* |
| Washington | $22,478 | $29,277 | $33,294 | +22.2% |
| Georgia | $22,227 | $28,971 | $32,956 | +20.7% |
| Wisconsin | $22,143 | $28,869 | $32,844 | +21.1%* |
| Illinois | $22,018 | $28,716 | $32,675 | +14.1%* |
| North Carolina | $21,850 | $28,512 | $32,449 | +14.9%* |
| Oklahoma | $21,557 | $28,156 | $32,055 | +20.2%* |
| South Dakota | $21,431 | $28,003 | $31,886 | +10.4% |
| Kentucky | $20,468 | $26,831 | $30,590 | +18.7%* |
| Arizona | $19,882 | $26,117 | $29,801 | +29%* |
| Missouri | $19,672 | $25,862 | $29,520 | +12.5%* |
| District of Columbia | $19,735 | $25,771 | $27,123 | +9.9% |
| North Dakota | $19,086 | $25,149 | $28,731 | +17.1% |
| Pennsylvania | $18,961 | $24,996 | $28,562 | +16% |
| Oregon | $18,793 | $24,792 | $28,337 | +21.6% |
| South Carolina | $18,709 | $24,690 | $28,224 | +16.6%* |
| Utah | $19,837 | $24,403 | $24,403 | +6.7% |
| Vermont | $23,266 | $23,266 | $23,266 | +3% |
| California | $17,369 | $23,059 | $26,421 | +9.9%* |
| Colorado | $16,825 | $22,396 | $25,689 | +10% |
| Michigan | $16,238 | $21,683 | $24,900 | +14.5% |
| Nevada | $15,862 | $21,224 | $24,393 | +18.8% |
| Hawaii | $14,994 | $20,456 | $23,684 | +11.1% |
| Rhode Island | $14,982 | $20,154 | $23,210 | +12.4% |
| Ohio | $14,940 | $20,103 | $23,154 | +10.7%* |
| Indiana | $14,480 | $19,542 | $22,534 | +17.5% |
| Idaho | $14,145 | $19,135 | $22,083 | +12% |
| Iowa | $13,349 | $18,166 | $21,013 | +5.7% |
| Minnesota | $13,223 | $18,013 | $20,844 | +17.7% |
| Virginia | $13,223 | $18,013 | $20,844 | +15.8% |
| New Jersey | $13,973 | $16,923 | $16,923 | +20.4%* |
| New Hampshire | $11,046 | $15,363 | $17,914 | +18.4%* |
| Maryland | $11,004 | $15,312 | $17,858 | +14.6% |
| Massachusetts | $10,181 | $13,442 | $13,442 | +10.8% |
| New York | $11,938 | $11,938 | $11,938 | +6% |
Each figure is the full-year premium tax credit that disappears when a household's MAGI lands $1 over 400% of the federal poverty level ($86,560 for a couple in the contiguous US, 2027 coverage). The benchmark is the second-lowest-cost silver plan, age-rated — which is why the loss grows from 55 to 64 and why pre-Medicare households face the biggest numbers. New York and Vermont are community-rated (no age variation), which is why their columns are flat. Full derivation: our methodology page.
These are 2027 estimates, not final rates. Each state's 2027 figure is its 2026 KFF benchmark premium × (1 + the state's weighted-average 2027 rate change). Rate changes marked * were still proposed, not regulator-approved, as of September 25, 2026. KFF publishes final 2027 benchmarks around the start of open enrollment — this table will be refreshed then, and the refresh date noted here.
Your county will differ from the state average — confirm your exact benchmark at HealthCare.gov's "See Plans & Prices" before acting. And if Congress restores the enhanced credits mid-season, the cliff maths change; we'll update and say so.
Find your own distance from the cliff — free, 60 seconds, no account.
Then see exactly what a $29 Cliff Plan does with your numbers.
Sources & computation, October 23, 2026: 2026 benchmark premiums: KFF State Health Facts (second-lowest-cost silver, age 40, county-selection weighted) · 2027 rate changes: healthinsurance.org weighted averages, updated Sep 25, 2026 (* = proposed) · applicable percentage 10.22%: IRS Rev. Proc. 2026-26 · 400% FPL lines: 2026 HHS/ASPE poverty guidelines · age rating: CMS default federal age curve (state-specific curves for DC, MA, NJ, UT; community rating for NY, VT). Figures cross-checked against the independent ACA Cliff Atlas computation (same public inputs and formula): extremes and distribution match (WV $55,831; NY $11,938; 41 of 51 jurisdictions above $20,000 for a couple at 60). Table extracted October 23, 2026; refreshed when KFF publishes final 2027 benchmarks (~Nov 1).
Educational data, not tax or financial advice. State averages; your county, plan and circumstances will differ.
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