"Obamacare" is a common name for the Affordable Care Act, or ACA. In Florida, you buy ACA plans on the federal Marketplace. Your help with the cost depends mostly on your income and household size.
This guide shows the income lines for 2027 coverage in dollars. It also explains the Medicaid floor, what counts as income, and what to do if your income changes.
Which poverty guidelines apply to 2027 coverage
HHS updates the poverty guidelines each January. The IRS says the tax credit uses the guidelines in effect when open enrollment starts. So 2027 coverage uses the 2026 guidelines. They came out January 15, 2026 (91 FR 1797). New guidelines in early 2027 won't change the 2027 limits.
Florida uses the same guidelines as the other contiguous states and D.C.
Florida income limits by household size
Here are the 2026 guideline amounts, used for 2027 coverage. The 100% column is HHS's figure. The other columns are that figure times the percent, rounded to the dollar.
| People | 100% | 138% | 150% |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $23,940 |
| 2 | $21,640 | $29,863 | $32,460 |
| 3 | $27,320 | $37,702 | $40,980 |
| 4 | $33,000 | $45,540 | $49,500 |
| 5 | $38,680 | $53,378 | $58,020 |
| 6 | $44,360 | $61,217 | $66,540 |
| People | 200% | 250% | 400% |
|---|---|---|---|
| 1 | $31,920 | $39,900 | $63,840 |
| 2 | $43,280 | $54,100 | $86,560 |
| 3 | $54,640 | $68,300 | $109,280 |
| 4 | $66,000 | $82,500 | $132,000 |
| 5 | $77,360 | $96,700 | $154,720 |
| 6 | $88,720 | $110,900 | $177,440 |
For more people, HHS adds $5,680 for each extra person.
What the lines mean:
- 100% to 400%: the range where the premium tax credit is generally available.
- Up to 250%: you may also get extra help on a Silver plan. It lowers your deductible and copays. The rule is 45 CFR 155.305. The help is biggest up to 150%.
- 138%: the Medicaid line in states that expanded it. Florida did not. So most Florida adults from 100% to 138% use the Marketplace.
The floor: Florida Medicaid and 100%
Under current law, the tax credit generally starts at 100% of the poverty line. KFF reported on July 27, 2026 that Florida has not expanded Medicaid. In Florida, adults under 65 can get Medicaid only if they fit a group. Groups include parents of a child under 18 (with a very low income limit), pregnant women, and people who are blind or disabled.
So some adults with income under 100% can't get Florida Medicaid or the tax credit. Florida's Department of Children and Families (DCF) decides Medicaid. Children may qualify at higher incomes through Medicaid or Florida KidCare.
The ceiling: 400%
As of October 22, 2026, under current law, the tax credit is generally for incomes up to 400% of the poverty line, and the bigger credits that helped some people above 400% ended after 2025. A bill to bring them back (H.R. 1834) passed the House on January 8, 2026, but as of October 22, 2026, it has not passed the Senate and is not law. See our guide to the 2027 subsidy cliff.
What counts as income: MAGI
The Marketplace uses modified adjusted gross income, or MAGI. Under IRS rules (26 CFR 1.36B-1), MAGI is your adjusted gross income plus three things:
- Untaxed foreign income
- Tax-exempt interest
- Social Security benefits that aren't taxed
Household income adds up the MAGI of you, your spouse, and your dependents who must file a tax return. If you're self-employed, use your net profit after business costs.
For a step-by-step method, see how to estimate your income for Marketplace coverage.
If your income changes during the year
Under federal rules (45 CFR 155.330), you need to report changes to the Marketplace within 30 days. That includes a new job, a raise, a marriage, or a new baby.
Update your application as soon as you can. If your income goes up and you don't report it, you may have to pay back credit at tax time. If it goes down, you could qualify for more help. For tax questions, talk with a tax professional.
Open Enrollment for 2027
As of October 22, 2026, under current law, Open Enrollment for 2027 coverage runs November 1, 2026, to January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still on appeal, with argument set for October 30, 2026, so check HealthCare.gov. See every date in our Florida open enrollment guide.
Want a rough first look at prices? Try our Policy Pricing Calculator. It doesn't promise a price. You can also compare Bronze vs Silver plans in Florida.