Psychiatrists Health Insurance and the 2026 Subsidy Cliff

BLS does not publish a state-level wage for this occupation. It suppresses the state cells — too few establishments per state to report without identifying them — and it also top-codes the national median, printing only that the median is at or above $239,200 a year. What it does publish is a national annual mean of $269,120 across 24,800 workers.

$269,120national annual mean wage, Psychiatrists

≥ $239,200national median (top-coded by BLS)

4.3×the 2026 subsidy cliff of $62,600

At this income level a single-person household receives no premium tax credit for 2026. The enhanced credits expired on 31 December 2025, restoring the 400% FPL limit, so the subsidy question is settled for this occupation in every state.

What this figure is. It is the national annual mean wage BLS reports for Psychiatrists (SOC 29-1223). BLS surveys wage and salary workers and excludes the self-employed, so for an owner of a private practice it is a benchmark for the occupation, not a measure of practice income. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024 (national). National annual mean wage (A_MEAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified. '#' in the OEWS release denotes a wage at or above $239,200 a year.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03.

Questions

Do psychiatrists qualify for an ACA subsidy in 2026?

Eligibility depends on household modified adjusted gross income and household size, not occupation. As a reference point, the BLS national annual mean wage for Psychiatrists is $269,120, which is 4.3 times the 2026 cliff of $62,600 for a single-person household.

Why is there no state figure for this occupation?

BLS suppresses state cells where too few establishments report, to avoid identifying individual employers. For Psychiatrists only a small number of the 21 states published here report a median at all, so no state figure is shown rather than one being estimated.

Why does BLS not publish a median wage?

The OEWS release top-codes wages: where the median is at or above $239,200 a year it prints '#' instead of a value. The national mean is published, and that is the figure used here.

Where the state detail is

State-level premium data is published for all 21 states on the rankings page, and county-level carrier and plan detail is on Coverage by County.

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