The ACA subsidy cliff in Ohio (2026)

Enroll through HealthCare.gov. Here is what the 400% cliff means for Ohio residents this year.

What2026 figure
400% FPL — single person$62,600
400% FPL — household of 2$84,600
State exchangeHealthCare.gov
Est. benchmark silver premium (age 60)*$1,050/mo
Est. subsidy at stake near the cliff*~$7,000/yr

*Estimates for education. Exact premiums depend on your county, age, and plan — confirm on HealthCare.gov.

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Over the line in Ohio? Your options

The strategies are federal, so they work the same in Ohio: lower your MAGI under 400%, HSA + Bronze plan, or — if self-employed — an ICHRA.

Frequently asked

What is the ACA subsidy cliff income limit in Ohio for 2026?

The cliff is 400% of the federal poverty level, the same in all 48 contiguous states: about $62,600 for one person and $84,600 for a household of two for 2026 coverage. Above that, the premium subsidy in Ohio drops to $0.

Where do I enroll in Ohio?

Ohio residents enroll through HealthCare.gov (https://www.healthcare.gov/). Open Enrollment for 2027 coverage begins November 1, 2026.

Talk to a licensed broker about your options

Free, no obligation. A broker can price your 2026 Ohio plans and the strategy moves.

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