Not sure what income to use? Estimate your household income with our ACA MAGI calculator.
Find your income range.
Understand your savings.
See where your household falls for premium tax credits and extra savings on a Silver plan. Start with your tax household size.
Not sure what income to use? Estimate your household income with our ACA MAGI calculator.
How many in your household?
Count yourself, your spouse, and tax dependents, even if some do not need coverage.
Above 138% through 400% of the federal poverty level. Other eligibility rules apply.
Your 2027 savings map
Color bands are proportional to income. The cards below show the exact CSR boundaries.
CSR = cost-sharing reductions: lower deductibles, copays, coinsurance, and out-of-pocket limits. Choose a Silver plan through Connect for Health Colorado to receive income-based CSR. The 94/87/73 figures describe average plan value across a standard population, not the percentage paid on each bill.
Explore an example income
Annual household MAGIMove the slider to see how the income bands work. This example stays in your browser and is not submitted.
Above 250% FPL and through 400% FPL, federal premium tax credits remain possible, but standard income-based CSR ends. Premium tax credits lower monthly premiums; CSR lowers costs when you receive care.
What counts as income, and who qualifies?
Use your expected total 2027 household modified adjusted gross income (MAGI), not take-home pay. Marketplace MAGI is generally adjusted gross income plus tax-exempt interest, nontaxable Social Security benefits, and excluded foreign income. Include income of tax dependents when required under Marketplace rules.
These are income bands, not an eligibility decision or a premium quote. Eligibility also depends on tax filing, citizenship or eligible immigration status, enrollment, and access to other coverage, including affordable employer coverage, Medicare, Medicaid, or CHP+. Members of one family may qualify for different programs. Children and pregnant people have different Medicaid/CHP+ limits.
The federal statutory premium tax credit floor is 100% FPL, but this guide uses above 138% as the practical starting point for most Colorado adults because Medicaid eligibility generally prevents Marketplace subsidies. Some people who are ineligible for Medicaid can have different results.
Medicaid generally evaluates current monthly income and uses updated poverty guidelines on a different schedule. Do not divide this annual chart by 12 to decide Medicaid eligibility. Special American Indian and Alaska Native cost-sharing rules are outside this tool.
Compare all household sizes
| People | 138% reference | 150% | 200% | 250% | 400% cliff |
|---|
Colorado adult Silver 94 reference: over 138% through 150%. Silver 87: over 150% through 200%. Silver 73: over 200% through 250%. The 400% ceiling is inclusive.
Data and sources
2027 Marketplace coverage uses the 2026 federal poverty guidelines for the contiguous states. Verified November 5, 2026. This guide shows standard federal premium tax credit and income-based CSR ranges. Colorado Premium Assistance is separate state premium help, not an additional CSR tier, and is not calculated here.
HHS poverty guidelines · Federal CSR eligibility rules · IRS premium tax credit eligibility · Connect for Health Colorado financial help
Learn how Colorado health insurance subsidies work, including premium tax credits, Colorado Premium Assistance, and cost-sharing reductions.
Learn how Colorado health insurance subsidies work, including premium tax credits, Colorado Premium Assistance, and cost-sharing reductions.