Federal Poverty Level Calculator 2026

The 2026 ACA plan year uses the 2025 Federal Poverty Level guidelines. For the continental US, the 2026 FPL is $15,060 for a single person, plus $5,380 for each additional household member. Alaska has higher limits ($18,810 base + $6,730/person), and Hawaii has different limits ($17,310 base + $6,190/person).

For 2026 ACA coverage, you generally qualify for Premium Tax Credits (subsidies) if your income is between 100% and 400% of the Federal Poverty Level. Under the American Rescue Plan extension, subsidies may extend beyond 400% FPL if benchmark plan premiums exceed 8.5% of your income. For a single person in the continental US, this means income between $15,060 and $60,240 for full subsidy eligibility.

In states that expanded Medicaid, you qualify if your income is at or below 138% of the Federal Poverty Level. For 2026, that's approximately $20,783 for a single person in the continental US. States that did not expand Medicaid use lower limits — often 100% FPL or less — so thresholds vary by state.

Yes. Alaska and Hawaii have higher Federal Poverty Level guidelines than the continental US due to higher costs of living. For 2026 (using 2025 HHS guidelines), Alaska's FPL is $18,810 for one person plus $6,730 per additional person. Hawaii's FPL is $17,310 for one person plus $6,190 per additional person. These higher limits mean ACA subsidy and Medicaid thresholds are higher in those states.

Cost-sharing reductions (CSR) lower your out-of-pocket costs — deductibles, copays, and maximum out-of-pocket limits — when you enroll in a Silver plan. To qualify, you must choose a Silver plan and have income between 100% and 250% FPL. There are three CSR tiers: Silver 94 (100–150% FPL, best benefits), Silver 87 (150–200% FPL), and Silver 73 (200–250% FPL).