How Covered California Subsidies Are Calculated in 2027

What Changes in the 2027 Calculation

The formula stays the same for 2027. Four of its inputs change, and who may get the credit at all:

• A new poverty line: 2027 coverage uses the 2026 federal poverty guidelines, $15,960 for one person plus $5,680 for each added person ($15,650 and $5,500 for 2026 coverage). The same income is a slightly lower FPL percentage.
• A slightly higher share: up to 10.22% of income for the benchmark Silver plan between 300% and 400% FPL (9.96% in 2026), and 2.15% below 133% FPL (2.1%), from IRS Rev. Proc. 2026-26.
• Incomes just under the new 400% line qualify again: one person earning $62,600 to $63,839 got no premium tax credit through Covered California for 2026 and does for 2027; for a family of 4 the line moves from $128,600 to $132,000.
• California's state subsidy reaches 200% FPL ($31,920 for one person; 165% in 2026), with $300 million instead of $190 million. Between 150% and 200% FPL it brings your share of the benchmark plan down to 2.8%-5.28% of income, from the federal 4.3%-6.78%.*
• Who can get the credit: from January 1, 2027, only U.S. citizens and nationals, green card holders, Cuban and Haitian entrants and migrants from Compact of Free Association countries. Other lawfully present immigrants can still enroll, but get no premium tax credit and no cost-sharing reductions. Who is affected

The Same Income in 2026 and 2027

What one person pays a month for the benchmark Silver plan with the premium tax credit alone; any premium above that is the credit. California's state subsidy lowers the amount further up to 200% FPL. * Estimate based on Covered California's published 2027 state subsidy design. Your Covered California quote is final.