When it comes to ACA health insurance subsidies, the Federal Poverty Level (FPL) is the cornerstone of eligibility. Your income compared to the FPL determines whether you qualify for premium tax credits, cost-sharing reductions, Medicaid, or CHIP.
Let's explore what the 2026 FPL is, how it's used, and what it means for your coverage options this year.
What Is the Federal Poverty Level (FPL)?
The FPL is a measure of income issued annually by the U.S. Department of Health and Human Services (HHS). It's used to determine eligibility for various federal and state assistance programs, including:
- ACA health insurance subsidies
- Medicaid
- Children's Health Insurance Program (CHIP)
- SNAP (food assistance)
Each year, the numbers are adjusted for inflation. The thresholds vary by household size and are slightly higher in Alaska and Hawaii due to cost-of-living differences.
Why It Matters for ACA Coverage
Under the ACA, your eligibility for subsidies is based on how your Modified Adjusted Gross Income (MAGI) compares to the FPL. Here's how it breaks down:
- 100%–400% FPL: Eligible for premium tax credits
- 100%–250% FPL: Eligible for cost-sharing reductions (Silver plans only)
- Under 138% FPL: Eligible for Medicaid (in most expansion states)
Learn how your ACA subsidy is calculated
📊 Estimated 2026 Federal Poverty Level (FPL) Chart
These are estimated figures for the 2026 FPL, assuming a 3.5% increase over the 2025 levels. Official numbers will be published by HHS in early 2026.
| Household Size | 100% FPL | 138% FPL | 250% FPL | 400% FPL |
|---|---|---|---|---|
| 1 | $15,060 | $20,794 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,620 | $64,550 | $103,280 |
| 4 | $31,200 | $43,033 | $78,000 | $124,800 |
| 5 | $36,580 | $50,446 | $91,450 | $146,320 |
| 6 | $41,960 | $57,859 | $104,900 | $167,840 |
📌 Note: These values are for the 48 contiguous states + D.C. Alaska and Hawaii have higher thresholds.
How to Use This Chart
Example: Family of 3 with $65,000 Income
Let's say you're a family of 3 with an income of $65,000 in 2026:
- 400% FPL for 3 people = $103,280
- Your income is ~63% of that max, or about 250% FPL
- You'd qualify for premium tax credits and likely cost-sharing reductions if you enroll in a Silver plan
👉 Try the 2026 ACA Subsidy Calculator
Find out exactly what you'd pay based on your FPL. Get instant results in under 2 minutes.
Calculate Your Subsidy →Other Programs That Use FPL
If your income is below 200% or 138% of the FPL, you may qualify for other benefits like:
- Medicaid
- CHIP (for children)
- Low-cost or free preventive care
Check your eligibility for these programs, especially if you have kids. For more details on income requirements, see our 2026 ACA income limits guide.
Final Thoughts
The Federal Poverty Level is more than a number—it's the framework behind your eligibility for financial help. Knowing where your income stands compared to the FPL is the first step to unlocking savings on your health insurance in 2026.
Bookmark this page, check your household size, and use the ACA tools available to plan your coverage and costs.
✅ Use Our ACA Subsidy Calculator for 2026
Get your subsidy estimate based on the latest FPL guidelines. No email or signup required.
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