| Income (% of poverty level) | Expected contribution (% of income) |
|---|---|
| up to 133% | 2.15% |
| 133% – 150% | 3.23% – 4.30% |
| 150% – 200% | 4.30% – 6.78% |
| 200% – 250% | 6.78% – 8.66% |
| 250% – 300% | 8.66% – 10.22% |
| 300% – 400% | 10.22% |
Worked example
Single person, $60,000 income, 2027 coverage: poverty level = $15,960, so income is 376% of the poverty level. Expected contribution 10.22% × $60,000 ÷ 12 = $511/month. If the benchmark silver plan costs $700/month, the credit is about $189/month.
Poverty levels used: 2026 HHS poverty guidelines (used for 2027 coverage). See poverty level table. Source: IRS Rev. Proc. 2026-26 (10.22%). Estimate yours with the marketplace calculator.
General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.