What this page sets up
Two parents aged 42 and 40 with children aged 12 and 9, expecting $95,000 for 2027. Priced at $500 a month for a single 40-year-old, the family’s benchmark adds up the four age ratings: 1.325 + 1.278 + 0.765 + 0.765 = 4.133 times the age-21 price, or $1,616.98 a month. Their income is 287% of the line for four (decimals dropped, as on Form 8962), which puts their share at 9.81%: $776.63 a month toward the benchmark, leaving a credit of $840.35 a month and $10,084.20 over the year. Healthcare.gov shows a family price once you enter all four people; that number can go straight into “For my household” in place of the age list.
Income levels for a family of four
Four-person levels outside Alaska and Hawaii (pick either state above and the table under the calculator changes with it):
| Share of poverty line | Family income | Expected payment |
|---|---|---|
| 100% | $33,000 | 2.15% |
| 138% | $45,540 | 3.54% |
| 150% | $49,500 | 4.30% |
| 200% | $66,000 | 6.78% |
| 250% | $82,500 | 8.66% |
| 300% | $99,000 | 10.22% |
| 400% | $132,000 | 10.22% |
The expected payment is a share of the whole family’s income, the same whichever plan you choose. It reaches 10.22% at 300% ($99,000) and stays there up to the cliff, so from $99,000 to $132,000 each extra dollar of income adds 10.22 cents to the family’s yearly share.
Families: what to check
- Household size is the tax household. A child you claim as a dependent counts even if they live away at college; a grown child who files their own return and isn’t your dependent doesn’t.
- Children’s coverage may come from elsewhere. If a child qualifies for Medicaid or CHIP, take them out of the age list: the credit then covers the parents’ benchmark only.
- Large families. The age curve counts only the three oldest children under 21, so add every child for the right total; the calculator leaves out the younger ones itself.
Data behind this page: 45 CFR 147.102 on family premiums, the CMS default age curve, HHS’s January 2026 guidelines and the IRS table in Rev. Proc. 2026-26.