Texas ACA Subsidies 2027: The 400% Cliff Is Back
Picture a married couple in Frisco, both in their late 50s, earning $85,000 a year. Under the 2027 rules, a mid-priced Silver plan could cost them about $724 a month. Then one of them gets a $2,000 raise. Same plan, same insurer, same doctors. The bill jumps to roughly $3,000 a month. (These are illustrative numbers. The math is shown below.) That drop-off is the 400% cliff, and it is back. If this year's renewal notice already made your stomach drop, you're not alone. Self-employed workers, gig workers, early retirees, and anyone without affordable job-based coverage feel it most. Below, you'll find your income line by household size, the IRS percentages for 2027, the key enrollment dates, and a few ways to avoid a surprise bill at tax time. Quick Answer: Texas ACA Subsidies in 2027 For 2027, Texans with household income from 100% to 400% of the federal poverty level generally can get ACA premium tax credits. Above 400%, the credit drops to zero. Pick a plan b...
