Federal Poverty Level Calculator
FPL Calculator updated January 25, 2025
With Aqui Health’s FPL calculator, find out with ease if you are eligible for Medicaid or Marketplace subsidies
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Federal Poverty Level (FPL) – FAQ
What is the Federal Poverty Level?
The Federal Poverty Level (FPL) is a measure of income issued each year by the U.S. Department of Health & Human Services (HHS). It’s used to determine eligibility for certain programs, including Obamacare subsidies, Medicaid, and CHIP.
Why does the FPL matter for health insurance?
Your FPL percentage helps determine whether you qualify for premium tax credits, cost-sharing reductions, or Medicaid. In general, the lower your FPL percentage, the more financial help you may receive.
How is the FPL calculated?
The FPL is based on your household size and annual income before taxes. Larger households have higher income limits for each FPL percentage.
How often does the FPL change?
HHS updates the FPL every January. New guidelines usually apply to Marketplace health plans starting the following open enrollment period.
What income counts toward FPL?
For ACA purposes, the Marketplace uses Modified Adjusted Gross Income (MAGI), which includes wages, self-employment income, unemployment benefits, Social Security, and other taxable income.
Where can I find the current FPL chart?
You can view the latest FPL guidelines on the HHS website, or simply use our calculator above for your household’s specific percentage.
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