Federal Poverty Levels for ACA / Obamacare

Federal Poverty Levels (FPL) for Obamacare

Subsidies under the Affordable Care Act (Obamacare) are based on a household’s Modified Adjusted Gross Income (MAGI) as it relates to the Federal Poverty Level (FPL.)

To qualify for subsidies, income must be greater than 100% FPL and less than 400% FPL (or greater than 138% FPL in states that have expanded Medicaid – currently 37 states.)

MAGI is not an actual line item on your tax return and must be calculated. Often it is Adjusted Gross Income (AGI, Line 7 of your 1040) plus tax-exempt interest (Line 2a) minus IRA and HSA contributions. (Full details on how to calculate MAGI, pdf)

Percentage of Federal Poverty Level (FPL) for Obamacare

The following table shows income (MAGI) levels for various household sizes. FPL levels are higher in Alaska and Hawaii. (Source data.)

These are 2019 FPL numbers for 2020 coverage (health insurance for Jan 1, 2020 – Dec 31, 2020.)

2020 Enrollment (2019 data)Percent of Federal Poverty Level (FPL)124904420
Household size100%138%200%250%300%400%
1$12,490$17,236$24,980$31,225$37,470$49,960
2$16,910$23,336$33,820$42,275$50,730$67,640
3$21,330$29,435$42,660$53,325$63,990$85,320
4$25,750$35,535$51,500$64,375$77,250$103,000
5$30,170$41,635$60,340$75,425$90,510$120,680
6$34,590$47,734$69,180$86,475$103,770$138,360
$ increase / additional person$4,420$6,100$8,840$11,050$13,260$17,680

The chart below highlights how ACA premium and cost-sharing subsidies are reduced with increased MAGI. For full details, see the post, Obamacare Optimization vs Tax Minimization.

ACA_Tax_Profile2

Affordable Care Act Tax Profile

Data for previous years

2018 data for 2019 ACA enrollment (Jan 1, 2019 – Dec 31, 2019) (Source data.)

2019 Enrollment
(2018 data)
Percent of Federal Poverty Level (FPL)121404320
Household size100%138%200%250%300%400%
1$12,140$16,753$24,280$30,350$36,420$48,560
2$16,460$22,715$32,920$41,150$49,380$65,840
3$20,780$28,676$41,560$51,950$62,340$83,120
4$25,100$34,638$50,200$62,750$75,300$100,400
5$29,420$40,600$58,840$73,550$88,260$117,680
6$33,740$46,561$67,480$84,350$101,220$134,960
$ increase / additional person$4,320$5,962$8,640$10,800$12,960$17,280

Previous years’ data available here.

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