State Health Insurance Marketplaces

Find your State's Official Health Insurance Marketplace. Contact your states marketplace now to find out if you qualify for a special enrollment period. You must have coverage that starts by May 1st, 2014 to avoid the per-month fee for not having health insurance.

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Federal Poverty Level 2013 - 2014

What are Federal Poverty Levels Used for?

Federal Poverty Levels (which are also called Federal Poverty Guidelines, federal Poverty Line or simply FPL) are used to see if you qualify for cost assistance when buying insurance through your State Health Insurance Marketplace. 

They are also used to see if you are eligible for Medicaid (though this depends on rules adopted by your State), give exemptions from the requirement to purchase insurance, or to see if you will have to pay some of the Affordable Care Act's taxes on higher earners. 

As a rule of thumb if your family income is less than four times the published Federal Poverty Guideline (400% of FPL) for your household size, and you are not eligible for employer or other public assisted healthcare (such as Medicaid or Medicare), you will be able to receive premium subsidies to help you purchase affordable insurance through your State's Health Insurance Marketplace.  Although technically a "tax credit" which you will receive when you file your 2014 tax return, a tax credit advance will be paid directly to the insurance provider you choose, reducing the monthly premium you have to pay. If at the end of the year your income turns out to be more or less than expected the tax credit will be adjusted and added to or taken from any tax refund or payment due. 

• If you make less than four times (400% of the FPL) you may qualify for reduced premiums through the marketplace due to advanced premium tax credits.

• If your income is below two and a half times (250%) the FPL you qualify for a policy with reduced deductibles, copayments and lower maximum out of pocket costs.

• If you live in a State that has agreed to expand Medicaid, and your household income is up to 138% of the relevant FPL you probably qualify for Medicaid. In State's that don't expand Medicaid the threshold is between 100%-133% although many more restrictions apply to eligibility aside from income.

Each year Obamacare premium subsidies, cost assistance and taxes will be based on the Federal Poverty Level Guidelines at the start of the open enrollment period (October 1st 2013 for 2014). So premium subsidies, cost-sharing assistance, and taxes for 2014 are based on the 2013 Federal Poverty Guidelines.

How Do the Federal Poverty Levels Work?

Federal Poverty Guidelines depend on the total number of persons in the household. For healthcare purposes the same figures are used in the 48 contiguous states and in the District of Columbia, while higher values (reflecting higher living expenses) apply to Hawaii and Alaska. The 100% column shows the federal poverty guideline for each family size, and the percentage columns that follow represent income levels that are commonly used  to determine health care costs for health programs like the Affordable Care Act.

2013 Federal Poverty Guidelines for 48 Contiguous States and DC

Federal Poverty Guidelines Used to Calculate Premiums, Cost-Assistance and Taxes in 2013 - 2014:

 Household Size

 100%

 133%

138%

150%

200% 

 300%

400% 

 1

$11,490

$15,282

$15,856

$17,235

$22,980

$34,470

$45,960

 2

15,510

 20,628

$21,404

23,265

  31,020

46,530

62,040

 3

19,530

 25,975

$26,951

29,295

  39,060

58,590

78,120

 4

23,550

 31,322

$32,499

35,325

  47,100

70,650

94,200

 5

27,570

 36,668

$38,047

41,355

  55,140

82,710

110,280

 6

31,590

 42,015

$43,594

47,385

  63,180

94,770

126,360

 7

35,610

 47,361

$49,142

53,415

  71,220

106,830

142,440

 8

39,630

 52,708

$54,689

59,445

  79,260

118,890

158,520

 For each additional person, add

$4,020

 $5,347

$5,548

$6,030

  $8,040

$12,060

$16,080


2013 Federal Poverty Guidelines for Alaska

 Household Size

 100%

 133%

138%

150%

200% 

300%

400%

 1

$14,350

$19,086

$19,803

$21,525

$28,700

$43,050

$57,400

 2

19,380

25,775

$26,744

29,070

38,760

58,140

77,520

 3

24,410

32,465

$33,686

36,615

48,820

73,230

97,640

 4

29,440

39,155

$40,627

44,160

58,880

88,320

117,760

 5

34,470

45,845

$47,569

51,705

68,940

103,410

137,880

 6

39,500

52,535

$54,510

59,250

79,000

118,500

158,000

 7

44,530

59,225

$61,451

66,795

89,060

133,590

178,120

 8

49,560

65,915

$68,393

74,340

99,120

148,680

198,240

 For each additional person, add

$5,030

$6,690

$6,941

$7,545

$10,060

$15,090

$20,120


2013 Federal Poverty Guidelines for Hawaii

 Household Size

 100%

 133%

138%

 150%

 200%

 300%

 400%

 1

$13,230

$17,596

$18,257

$19,845

$26,460

$39,690

$52,920

 2

17,850

23,741

$24,633

26,775

35,700

53,550

71,400

 3

22,470

29,885

$31,009

33,705

44,940

67,410

89,880

 4

27,090

36,030

$37,384

40,635

54,180

81,270

108,360

 5

31,710

42,174

$43,760

47,565

63,420

95,130

126,840

 6

36,330

48,319

$50,135

54,495

72,660

108,990

145,320

 7

40,950

54,464

$56,511

61,425

81,900

122,850

163,800

 8

45,570

60,608

$62,887

68,355

91,140

136,710

182,280

 For each additional person, add

$4,620

$6,145

$6,376

$6,930

$9,240

$13,860

$18,480

What Do They Mean By "Household Size"?

For most families it is yourself plus the number of people that you claim as dependents on your income tax return. This may include children, parents, or other relatives who qualify as dependents on your tax return. Children of divorced parents are counted as the family of the parent who claims them as a dependent (even if the other parent has to pay for the child's health insurance). Do not include children who earn enough to support themselves, and so are no longer eligible as dependents, even if they still live at home.

What Does Income Include?

Expected 2014 gross income (before taxes) including wages, tips, net profit from self-employment, interest, rental income,  and other investment income, most pensions, social security payments and alimony.  This will be the amount called "Modified Adjusted Gross Income" shown on your tax return in line 4 of Form 1040EZ, line 21 of 1040A or line 37 of form 1040. If your only income is from a job it is the number shown in box 1 of your W2 form. Include income of all dependents (for example a child's summer earnings or dependent's social security) even if they filed a separate tax return. 

Federal Poverty Guideline Facts

Obamacare uses the 2013 Federal Poverty Guideline values, published in January 2013, for the whole of 2014.  The official Federal Poverty Level Guidelines are released each January and based  on the "Federal Poverty Threshold" data for the previous year. The FPL guidelines will be updated yearly.

What are Federal Poverty Thresholds?

The poverty thresholds are the original version of the federal poverty measure.  They are updated each year by the Census Bureau.  The thresholds are used mainly for statistical purposes — for instance, preparing estimates of the number of Americans in poverty each year.  (In other words, all official poverty population statistics are calculated using the poverty thresholds, not the guidelines.)

You will use the Federal Poverty Level Guidelines to calculate your cost assistance on the health insurance marketplace.

What are Federal Poverty Guidelines?

The Federal Poverty Guidelines a simplification of the poverty thresholds for use for administrative purposes — for instance, determining financial eligibility for certain federal programs.   They are issued in January of each year in the Federal Register by the Department of Health and Human Services (HHS).