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Understanding Federal Poverty Level (FPL)

FPL income thresholds

You will hear a lot about FPL when shopping for Obamacare health insurance and determining your eligibility for certain tax credits, CHIP, or Medicaid. The Federal Poverty Level (FPL) is a measure of income used by the federal government to find who is eligible for subsidies, benefits, and programs. Read our guide to getting Marketplace coverage if you want to learn more about health insurance.

Federal Poverty Level Figures for 2022

The 2022 FPL income figures below are used to calculate the consumer’s eligibility for the CHIP (Children Health Insurance Program) and Medicaid depending on the annual household income. These values are based on family size and are established by HHS for all regions except Hawaii and Alaska. 

  • $13,590 for individuals
  • $18,310 for a family of two
  • $23,030 for a family of three
  • $27,750 for a family of four
  • $32,470 for a family of five
  • $37,190 for a family of six
  • $41,910 for a family of seven 
  • $46,630 for a family of eight

Add $4,720 for each additional individual if your household has more than eight people. Please keep in mind that there are no modifications for living costs in the 48 contiguous states. Let’s look at the Federal Poverty Levels of Alaska and Hawaii. 

2022 POVERTY GUIDELINES FOR ALASKA

Persons in family or householdPoverty guideline
1$16,990
2$22,890
3$28,790
4$34,690
5$40,590
6$46,490
7$52,390
8$58,290
For families with more than eight individuals, add $5,900 for each additional person.

2022 POVERTY GUIDELINES FOR HAWAII

Persons in family or householdPoverty guideline
1$15,630
2$21,060
3$26,490
4$31,920
5$37,350
6$42,780
7$48,210
8$53,640
For families with more than eight individuals, add $5,430 for each additional person.

Enter your area code here to see if you qualify for Obamacare subsidies or low-cost Medicaid coverage. If you don’t meet the criteria for complimentary or subsidized health insurance, contact our service agents to help you find a suitable plan that best meets your needs and budget.

The Federal Poverty Line Thresholds for 2022

All federal, state, and private insurance companies use the Federal Poverty Line to decide who qualifies for low-cost coverage and Obamacare subsidies. According to the ACA, specific percentages at, below, and above the Federal Poverty Level are used to determine an individual’s eligibility for various Marketplace programs and tax subsidies. The following are the major FPL thresholds to know: 

Annual income between 100 and 400 percent of the FPL: 

If your income falls within this range, you will be eligible for premium tax credits for ACA health coverage in all states. These special tax breaks reduce your monthly premium for a health insurance plan purchased through the Marketplace. 

Annual income below 138 percent of the FPL: 

This is the yearly income limit for Medicaid coverage in some states. Suppose your state has expanded Medicaid coverage, and your income is under 138 percent of the federal poverty level. In that case, you can qualify for Medicaid coverage based on your income status. You can also check your eligibility for Medicaid through InsuranceShopping.com.

Annual income less than 100 percent of the FPL: 

If your region has extended Medicaid coverage, you will qualify for Medicaid with an income less than 138 percent of the FPL. Nevertheless, if your state has not developed Medicaid, you may enter into the “Medicaid gap” if your payment is below 100 percent of the FPL. If you are age 65 or over or disabled, and your income is under 100 percent of the FPL, your region must pay for coverage on your behalf through the QMB (Qualifying Medicare Beneficiary) program

Here are the 2022 federal poverty line limits for the 48 contiguous regions and the District of Columbia. 

Number of people in household100% FPL138% FPL400% FPL
1$12,880$17,774$51,520
2$17,420$24,040$69,680
3$21,960$30,305$87,840
4$26,500$36,570$106,000
5$31,040$42,835$124,160
6$35,580$49,100$142,320
7$40,120$55,366$160,480
8$44,660$61,631$178,640

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