200% of the Federal Poverty Level (2026): The 87%-silver line
2025 HHS guidelines · applies to 2026 marketplace coverage · Last reviewed July 2026
$31,300/yr single$64,300/yr family of 4≈$2,608/mo single
200% of FPL in dollars, by household size
| Household size | 48 states + DC | Alaska | Hawaii |
|---|---|---|---|
| 1 | $31,300 | $39,100 | $35,980 |
| 2 | $42,300 | $52,860 | $48,640 |
| 3 | $53,300 | $66,620 | $61,300 |
| 4 | $64,300 | $80,380 | $73,960 |
| 5 | $75,300 | $94,140 | $86,620 |
| 6 | $86,300 | $107,900 | $99,280 |
| 7 | $97,300 | $121,660 | $111,940 |
| 8 | $108,300 | $135,420 | $124,600 |
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
Between 150% and 200% of FPL, silver plans carry the second-strongest cost-sharing reductions (~87% actuarial value — deductibles typically cut by thousands). Above 200%, CSRs drop to their weakest tier before ending at 250%.
Your required benchmark contribution at exactly 200% is 6.6% of income — about $172/month for a single person at $31,300. This is also roughly where CHIP eligibility for children phases out in many states — kids in households under ~200–250% of FPL often qualify for CHIP even when parents use marketplace plans. Mixed-coverage households are normal; the marketplace application sorts each member automatically.
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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Check your own number
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% · 150% · 250% · 300% · 400%