Hawaii ACA Subsidy Cliff Calculator 2026
Hawaii benchmark silver plan: $541/mo (age 40). The subsidy cliff for a single person is $71,960.
Tell us about your household
Hawaii 2026 Subsidy Cliff Thresholds (400% FPL)
| Household Size | 400% FPL Cliff | Max 9.96% Premium |
|---|---|---|
| 1 person | $71,960 | $7,167/yr |
| 2 people | $97,280 | $9,689/yr |
| 3 people | $122,600 | $12,211/yr |
| 4 people | $147,920 | $14,733/yr |
| 5 people | $173,240 | $17,255/yr |
| 6 people | $198,560 | $19,777/yr |
Source: HHS 2025 FPL Guidelines (Hawaii). Max premium = 9.96% of income at 300-400% FPL (IRS Rev. Proc. 2025-25).
How the ACA Subsidy Cliff Works in Hawaii
Hawaii residents shopping for 2026 health insurance on the federal marketplace (HealthCare.gov) face the return of the 400% FPL subsidy cliff. The benchmark second-lowest-cost silver plan (SLCSP) in Hawaii averages $541/month for a 40-year-old — adjusted up or down by the federal 3:1 age curve for other ages.
Since Hawaii has expanded Medicaid, residents with income below 138% FPL (about $24,826 for an individual) may qualify for Medicaid rather than marketplace coverage. The subsidy cliff primarily affects Hawaii residents earning between 138% and 400% FPL.
The calculator above uses Hawaii-specific SLCSP data and the Hawaii-specific federal poverty guidelines (higher than the contiguous 48 states) to calculate your exact subsidy and show how pre-tax contributions (HSA, IRA, Solo 401k) can help you stay below the cliff.