By Ryan Kennelly
August 16, 2016
Topics:
August 16, 2016
The federal poverty guidelines (also called the federal poverty level, or FPL) are published each year by the U.S. Department of Health and Human Services. Many programs use them to decide who qualifies, including Medicaid, CHIP and Marketplace premium tax credits.
Which year applies to 2027 coverage? Marketplace subsidies for plan year 2027 are based on the 2026 guidelines below. Medicaid and CHIP use the guidelines in effect when you apply.
Annual household income, before taxes, at common percentages of the poverty level:
| Household size | 100% | 138% | 150% | 200% | 250% | 400% |
|---|---|---|---|---|---|---|
| 1 | $15,960 | $22,025 | $23,940 | $31,920 | $39,900 | $63,840 |
| 2 | $21,640 | $29,863 | $32,460 | $43,280 | $54,100 | $86,560 |
| 3 | $27,320 | $37,702 | $40,980 | $54,640 | $68,300 | $109,280 |
| 4 | $33,000 | $45,540 | $49,500 | $66,000 | $82,500 | $132,000 |
| 5 | $38,680 | $53,378 | $58,020 | $77,360 | $96,700 | $154,720 |
| 6 | $44,360 | $61,217 | $66,540 | $88,720 | $110,900 | $177,440 |
| 7 | $50,040 | $69,055 | $75,060 | $100,080 | $125,100 | $200,160 |
| 8 | $55,720 | $76,894 | $83,580 | $111,440 | $139,300 | $222,880 |
HHS raised the guidelines for 2026. Marketplace subsidies for plan year 2026 used the 2025 figures, and plan year 2027 uses the 2026 figures. HHS has not yet published guidelines for 2027; they are expected in January 2027, and this page will be updated then.
| Household size | 2025 (100%) | 2026 (100%) | Change | 2025 (138%) | 2026 (138%) | 2025 (400%) | 2026 (400%) |
|---|---|---|---|---|---|---|---|
| 1 | $15,650 | $15,960 | +$310 | $21,597 | $22,025 | $62,600 | $63,840 |
| 2 | $21,150 | $21,640 | +$490 | $29,187 | $29,863 | $84,600 | $86,560 |
| 3 | $26,650 | $27,320 | +$670 | $36,777 | $37,702 | $106,600 | $109,280 |
| 4 | $32,150 | $33,000 | +$850 | $44,367 | $45,540 | $128,600 | $132,000 |
| 5 | $37,650 | $38,680 | +$1,030 | $51,957 | $53,378 | $150,600 | $154,720 |
| 6 | $43,150 | $44,360 | +$1,210 | $59,547 | $61,217 | $172,600 | $177,440 |
| 7 | $48,650 | $50,040 | +$1,390 | $67,137 | $69,055 | $194,600 | $200,160 |
| 8 | $54,150 | $55,720 | +$1,570 | $74,727 | $76,894 | $216,600 | $222,880 |
For households with more than 8 people in the 48 states and DC, the 2025 guideline adds $5,500 for each additional person and the 2026 guideline adds $5,680. Source: U.S. Department of Health and Human Services, 2025 and 2026 Poverty Guidelines (aspe.hhs.gov).
For households with more than 8 people in the 48 states and DC, add $5,680 for each additional person at 100%. Alaska ($19,950 for one person, plus $7,100 for each additional person) and Hawaii ($18,360 for one person, plus $6,530 for each additional person) have higher guidelines.
Questions about your 2027 coverage? A licensed iHealthAgents advisor can help at no cost.
Source: U.S. Department of Health and Human Services, 2026 Poverty Guidelines (aspe.hhs.gov). Educational use only. Percentages are the guideline multiplied by that percentage and rounded to the nearest dollar.
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