A visual explainer
How income changes the ACA subsidy
Move the income slider to see the estimated premium tax credit shrink as household income rises.
2026 plan year · 48 states + DC
Estimated monthly premium you pay
The teal area is your estimated premium after the credit; the gold line marks your selected income.
$2,252/moestimated premium
$2,300$1,725$1,150$575$0
100% FPL200%300%400%450%
estimated premium after creditselected income
OHP adult Medicaid: through 138%OHP Bridge: 133–200%Marketplace credits: 100–400%*
Reference points
| Income | Annual income | Expected share | Estimated premium |
|---|
Illustrative Oregon estimate, not an eligibility determination. The OHP/OHP Bridge bands are simplified adult coverage bands; age, immigration status, pregnancy, children, disability, employer coverage, and other rules can change eligibility. For 2026 Marketplace applications, Oregon generally uses the prior year’s poverty guidelines. Actual credits use the local benchmark premium and tax-household MAGI. Sources: Oregon OHP Bridge, IRS Rev. Proc. 2025-25, and HHS poverty guidelines.