Updated for 2026 Guidelines
Federal Poverty Level (FPL) Calculator
Enter your household income and size to calculate your exact FPL percentage and see if you qualify for lower monthly ACA insurance premiums or Medicaid.
Calculate Your FPL
Based on official 2026 HHS Poverty Guidelines
2 people
Calculated using 100% FPL baseline = $21,640/yr
Your Household Calculation
Maximum Savings (CSR Silver Eligible)
208%
of the Federal Poverty Level ($45,000 / yr)
Baseline (100% FPL): $21,640
0%138% (Medicaid)250% (CSR)400% (Subsidies)
You qualify for Maximum Premium Subsidies + Cost-Sharing Reductions!
Your income falls between 138% and 250% FPL ($29,863 - $54,100). On a Silver plan, you'll get lower deductibles and copays in addition to low/zero monthly premiums!
Estimated Savings Potential
$300 - $550/mo in subsidies
2026 Federal Poverty Level Thresholds
Reference table for contiguous 48 states and Washington D.C. (HHS Guidelines)
| Household Size | 100% FPL (Baseline) | 138% FPL (Medicaid Cutoff) | 250% FPL (CSR Silver) | 400% FPL (Subsidies Tier) |
|---|---|---|---|---|
| 1 person | $15,960 | $22,025 | $39,900 | $63,840 |
| 2 people Active | $21,640 | $29,863 | $54,100 | $86,560 |
| 3 people | $27,320 | $37,702 | $68,300 | $109,280 |
| 4 people | $33,000 | $45,540 | $82,500 | $132,000 |
| 5 people | $38,680 | $53,378 | $96,700 | $154,720 |
| 6 people | $44,360 | $61,217 | $110,900 | $177,440 |
* Add $5,680 for each additional person beyond 8.Alaska & Hawaii have slightly higher thresholds.
Understanding Your FPL Calculation
How Federal Poverty Guidelines impact your health insurance choices under the Affordable Care Act (ACA).
Medicaid (0% - 138% FPL)
In expansion states like Florida (for children & pregnant mothers) and other states, individuals under 138% FPL qualify for free or near-free Medicaid coverage.
CSR Silver Plans (100% - 250% FPL)
Cost-Sharing Reductions (CSR) give you lower out-of-pocket maximums, lower copays, and reduced deductibles when you enroll in a Silver Tier ACA plan.
Premium Subsidies (100% - 400%+)
Advanced Premium Tax Credits (APTC) act as a monthly discount directly applied to your plan premium. Over 90% of ACA applicants qualify for monthly savings.
Frequently Asked Questions About FPL
Need Help Finding the Right ACA Plan?
Health Plus One is an independent agency. We help you apply your subsidies, check doctor networks, and select the best plan at no cost to you.