Two things make Florida different. The enhanced credits that removed the 400% ceiling have expired, so the cliff is back: a dollar over the line and the credit disappears entirely. And Florida has not expanded Medicaid, so households below 100% usually get neither a subsidy nor Medicaid unless they qualify another way.
| Household size | 100% of poverty level | 400% of poverty level |
|---|---|---|
| 1 | $15,960 | $63,840 |
| 2 | $21,640 | $86,560 |
| 3 | $27,320 | $109,280 |
| 4 | $33,000 | $132,000 |
How it works
The figure that matters is your modified adjusted gross income for the coverage year, not last year, and not your take-home pay. It is compared against the federal poverty guideline for your household size to give a percentage. Every marketplace savings rule is written as a percentage rather than a dollar amount, because the dollar amount changes with household size and every year.
What changes it
Below 250% of the poverty level a Silver plan also carries cost-sharing reductions, which lower the deductible and copays. Those apply only to Silver, so a Bronze plan that looks cheaper on premium can cost more overall. Above 400%, there is no credit at all, which makes an accurate income estimate unusually important if you are near the line.
What to do next
Work out your percentage before you shop, using the income you expect for the coverage year rather than the figure on your last return. If you are close to either edge of the range, that is worth a conversation before you enroll, because how income is counted, and which deductions reduce it, can move a household across a line that changes the answer completely.
Read the full guide: The subsidy cliff, explained
Related questions
What happens if I earn a dollar over 400%?
You lose the premium tax credit entirely. The enhanced subsidies that softened that cliff have expired.
What if I earn less than 100% of the poverty level?
Florida has not expanded Medicaid, so many people in that position fall into a coverage gap. Check before assuming, because how income is counted can place you above the line.
Is the limit based on last year’s income?
No. It is based on what you expect to earn during the coverage year, which is why the estimate matters.
Sources
- Annual Update of the HHS Poverty Guidelines — U.S. Department of Health and Human Services · 2026-01-15 · read 2026-10-12
- Federal poverty level (FPL) — HealthCare.gov (CMS) · read 2026-10-12
This page explains published rules and figures, with the source for each one. It is not advice about your own situation.