Covering a household on 1099 income in 2027: one marketplace application, the credit line for every household size ($132,000 for four), how each person is.
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A family on one self-employed income is priced person by person and credited household by household. The line that matters is 400% of the poverty line for your household size, and it moves by $22,720 for each person.
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Premiums are set county by county and the credit is set by income, so no table can give a 1099 worker a final number. Enter your ZIP and a licensed agent prices every plan filed where you live against what you actually expect to earn.
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The whole household goes on one marketplace application, and the credit is figured on the household’s modified adjusted gross income against the 2027 lines: $63,840 for one person, $86,560 for a couple, $109,280 for three, $132,000 for a family of four, $154,720 for five, $177,440 for six. Above the line for your size there is no credit; under it the benchmark Silver plan for the household is capped at 2.15% to 10.22% of income.
$90,000 is $42,000 under the 2027 credit line for a family of four ($132,000). At that income the benchmark Silver plan is capped at 9.4% of income, about $703 a month, and the credit pays the rest of the benchmark price.
$140,000 is $8,000 above the 2027 credit line for a family of four ($132,000), so there is no premium tax credit at that income and the full filed price applies.
Each adult is priced at their own age; children under 21 are priced at the child rate, and only the three oldest children under 21 are charged, the rest ride free; a child of 21 or over on the family plan pays an adult rate. The 2027 out-of-pocket maximum for the family is $24,000, and no one person in it can be charged more than $12,000. Two adults at 40 on the cheapest Silver in the cheapest state here start around $942 a month before children and before any credit.
If a spouse’s job offers family coverage, the household can only take the credit if that family coverage costs more than 10.22%% of household income for 2027 (the family test, since 2023), or if it fails minimum value. The 1099 earner may still deduct premiums only for months no employer plan was available to them. Join or buy: the spouse’s plan.
Premiums for the medical coverage of you, your spouse, your dependents and children under 27 at year end come off above the line on Form 7206, up to the business’s net profit. The deduction.
A family above its line pays the full filed price for every person. Private plans price each person on age and health answers; a licensed agent runs both markets from one ZIP. Private plans are medically underwritten: your health history decides whether you qualify and the final price, and some applicants pay more or are declined. They are not ACA marketplace plans, they do not cover pre-existing conditions the way a marketplace plan does, and no premium tax credit applies. If you are not in good health, the marketplace is usually the better route. Private plans.
Four times the poverty line for the household size: $63,840 for one person, $86,560 for a couple, $109,280 for three, $132,000 for a family of four, $154,720 for five, $177,440 for six. The test is modified adjusted gross income after the deduction, on the income you expect for 2027.
At the child rate until 21, and only the three oldest children under 21 are charged; from 21 a child on the family plan pays an adult rate. The family's out-of-pocket maximum for 2027 is $24,000.
Yes, for the medical coverage of the taxpayer, spouse, dependents and children under 27, up to the business's net profit, in months no employer plan was available; Form 7206 computes it.
Run my own numbersBack to the ZIP box near the top of this page.