2026 ACA Affordability Threshold Increased to 9.96%

Posted on August 18, 2025

The IRS recently announced the adjusted affordability contribution percentage for all plans starting after December 31, 2025.

In 2026 an employee’s required contribution to a benefit plan cannot exceed 9.96% (increasing from 9.02% in 2025) of their annual household income for the plan to be considered “affordable” under the ACA.

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