Monthly premium limit by income (2026)
| Household income | Max employee-only premium / month |
|---|---|
| $30,000 | $249.00 |
| $40,000 | $332.00 |
| $50,000 | $415.00 |
| $60,000 | $498.00 |
| $75,000 | $622.50 |
| $100,000 | $830.00 |
The test uses the employee-only premium, not the family premium. Since 2023, family members are tested on the family premium (the “family glitch” fix). See family glitch.
Check yours: employer plan vs marketplace calculator.
General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.