2026 Federal Poverty Level Income Limits (100%–400%)
Based on the 2025 HHS poverty guidelines, which govern 2026 marketplace coverage. Last reviewed July 2026.
Every kind of health coverage help is keyed to a percentage of the federal poverty level: Medicaid ends at 138%, the strongest cost-sharing reductions at 150%, all cost-sharing help at 250%, and subsidies themselves at 400% — the cliff. These pages give each threshold in real dollars for every household size.
Fastest route: the FPL calculator tells you your exact percentage and what it unlocks.
Where marketplace subsidies begin — $15,650 for a single person in 2026.
The bottom subsidy bracket's edge — $20,814 for a single person in 2026.
The Medicaid expansion line — $21,597 for a single person in 2026.
Max cost-sharing help & year-round enrollment — $23,475 for a single person in 2026.
The 87%-silver line — $31,300 for a single person in 2026.
The last dollar of cost-sharing help — $39,125 for a single person in 2026.
Where the contribution rate maxes out — $46,950 for a single person in 2026.
The subsidy cliff — $62,600 for a single person in 2026.
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
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