This page features a 2021 ObamaCare eligibility chart, the 2020 federal poverty level used for 2021 subsidies, and a subsidy calculator.

ObamaCare Cost Assistance

To get assistance under the Affordable Care Act you must earn between 100% – 400% of the poverty level. For 2021, that is $12,760-$51,040 for an individual and $26,200- $104,800 for a family of four.

The types of assistance offered under the Affordable Care Act are:

Each assistance type has different eligibility requirements based on income as a percentage of the federal poverty level.

Obamacare Eligibility Chart

The following is a 2021 ObamaCare eligibility chart.

Types of Cost Assistance For 2021 Individual Annual Income Family of Four Annual Income
Medicaid health coverage (if your state decides to offer it) Up to $17,609 Up to $36,156
Help to pay your premium (if you buy in your state’s online marketplace) Between $12,760-$51,040 Between $26,200- $104,800
Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,760- $31,900 Between $26,200- $65,500

NOTE: The Medicaid/CHIP amounts above apply in 2020 and early 2021. Medicaid and CHIP eligibility will be based on the 2021 guidelines as soon as they are published in the federal register in early 2021.

TIP: Want to find out what you can save quickly, check out our Subsidy Calculator below.

The 2020 Federal Poverty Guidelines Used in 2021

Below are the 2020 Federal Poverty Guidelines that went into effect in early 2020. These guidelines are the key to all income-based cost assistance under the Affordable Care Act, specifically, these guidelines are used for:

  • Medicaid/CHIP between Jan 2020 – Jan 2021.
  • Cost assistance on all marketplace health plans held in 2021 and purchased during open enrollment for 2021 (which happens at the end of 2020)
  • For special enrollment in 2021.
  • For ACA taxes for the 2021 calendar year filed in 2022.

TIP: For mobile and smaller screen sizes, drag the table below to scroll and see the different poverty levels.

TIP: These tables will also be used for cost assistance for 2021 marketplace plans.

2020 POVERTY GUIDELINES FOR THE 48 CONTIGUOUS STATES AND THE DISTRICT OF COLUMBIA
Persons in Family/Household 100% FPL: Minimum to Qualify for ACA Assistance 138% FPL: Medicaid Cap (in States that Expanded) 250% FPL: CSR Subsidies Cap 400% FPL: Premium Tax Credit Cap
1 $12,760 $17,609 $31,900 $51,040
2 $17,240 $23,792 $43,100 $68,960
3 $21,720 $29,974 $54,300 $86,880
4 $26,200 $36,156 $65,500 $104,800
5 $30,680 $42,339 $76,700 $122,720
6 $35,160 $48,521 $87,900 $140,640
7 $39,640 $54,704 $99,100 $158,560
8 $44,120 $60,886 $110,300 $176,480
For families/households with more than 8 persons, add $4,480 for each additional person.

NOTE: Alaska and Hawaii use different guidelines (see this link to guidelines as published on HHS.Gov).

2021 ObamaCare Subsidy Calculator

Use the following subsidy calculator to find out if you qualify for 2021 assistance now.

NOTE: The subsidy calculator below uses the currently available levels to give you an idea of 2021 subsidy amounts.