150% of the Federal Poverty Level (2026): Max cost-sharing help & year-round enrollment
2025 HHS guidelines · applies to 2026 marketplace coverage · Last reviewed July 2026
$23,475/yr single$48,225/yr family of 4≈$1,956/mo single
150% of FPL in dollars, by household size
| Household size | 48 states + DC | Alaska | Hawaii |
|---|---|---|---|
| 1 | $23,475 | $29,325 | $26,985 |
| 2 | $31,725 | $39,645 | $36,480 |
| 3 | $39,975 | $49,965 | $45,975 |
| 4 | $48,225 | $60,285 | $55,470 |
| 5 | $56,475 | $70,605 | $64,965 |
| 6 | $64,725 | $80,925 | $74,460 |
| 7 | $72,975 | $91,245 | $83,955 |
| 8 | $81,225 | $101,565 | $93,450 |
Income here means MAGI — adjusted gross income plus tax-exempt interest, untaxed Social Security, and excluded foreign income — for your whole tax household.
What happens at this line
Two big things live at 150%. First, it's the top of the strongest cost-sharing reduction tier: from 100–150% of FPL, silver plans are boosted to ~94% actuarial value — deductibles routinely drop to a few hundred dollars, making silver effectively better than platinum. Second, at or below 150% you get a continuous special enrollment period on HealthCare.gov — you can enroll or switch any month of the year, no life event needed.
Your required contribution at 150% is 4.19% of income — about $82/month for a single person at $23,475 — for the benchmark silver plan with those enhanced benefits attached. If your income is in this band and you're on a bronze plan, you're almost certainly making a mistake; see Bronze vs Silver.
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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The FPL calculator converts your income and household size into an exact percentage and lists everything it qualifies you for. Then estimate your subsidy in the 2026 subsidy calculator.
Other thresholds: 100% · 133% · 138% · 200% · 250% · 300% · 400%