2022 ObamaCare Eligibility Chart and Subsidy Calculator
This page features a 2022 ObamaCare eligibility chart, the 2021 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 2022, that is $12,880-$51,520 for an individual and $26,500- $106,00 for a family of four.
The types of assistance offered under the Affordable Care Act are:
- Premium Tax Credits
- Cost Sharing Reduction Subsidies (Silver Plans only)
- Medicaid Expansion and CHIP
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 2022 ObamaCare eligibility chart.
| Types of Cost Assistance For 2022 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if your state decides to offer it) | Up to $17,775* | Up to $36,570* |
| Help to pay your premium (if you buy in your state’s online marketplace) | Between $12,880-$51,520 | Between $26,500- $106,00 |
| Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) | Between $12,880- $32,200 | Between $26,500- $66,250 |
NOTE: Medicaid/CHIP eligibility will be updated when the new Federal Poverty level data is published in early 2022.
TIP: Want to find out what you can save quickly, check out our Subsidy Calculator below.
The 2021 Federal Poverty Guidelines Used in 2022
Below are the 2021 Federal Poverty Guidelines that went into effect in early 2021 (the ones you use for 2021 Medicaid/CHIP and for 2022 marketplace cost assistance).[1]
These guidelines are the key to all cost assistance under the Affordable Care Act. Specifically, these guidelines are used for:
- Medicaid/CHIP between late Jan 2021 – Jan 2022 after the poverty level guidelines are published.
- 2022 marketplace cost assistance on all marketplace health plans held in 2022 and purchased during open enrollment for 2022 (which runs from November 1, 2021, to December 15, 2021).
- For special enrollment in 2022.
- For ACA taxes for the 2022 calendar year filed in 2023.
NOTE: Our federal poverty guideline list has the 100% poverty level, 138% Medicaid expansion threshold, the 250% CSR subsidy threshold, and the 400% premium tax credit thresholds so you can at a glance see what assistance you qualify for. Please note that for Medicaid Expansion if you make under 138% you qualify, for CSR it is between 100% – 250%, and for tax credits, it is between 100% and 400%. See details on subsidies under the ACA.
TIP: For mobile and smaller screen sizes, drag the table below to scroll and see the different poverty levels.
| 2021 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 | $12,880 | $17,775 | $32,200 | $51,520 |
| 2 | $17,420 | $24,040 | $43,550 | $69,680 |
| 3 | $21,960 | $30,305 | $54,900 | $87,840 |
| 4 | $26,500 | $36.570 | $66,250 | $106,000 |
| 5 | $31,040 | $42,836 | $77,600 | $124,160 |
| 6 | $35,580 | $49,101 | $88,950 | $142,320 |
| 7 | $40,120 | $55,366 | $100,300 | $160,480 |
| 8 | $44,660 | $61,631 | $111,650 | $178,640 |
| For families/households with more than 8 persons, add $4,540 for each additional person. | ||||
FACT: The Federal Register notice for the 2021 Poverty Guidelines was published on February 1st, 2021.
2022 ObamaCare Subsidy Calculator
Use the following subsidy calculator to find out if you qualify for 2022 assistance now.
NOTE: The subsidy calculator below uses the currently available levels to give you an idea of 2022 subsidy amounts.
- notice 2021-01969. Federalregister.gov.
Author: Thomas DeMichele
Thomas DeMichele is the head writer and founder of ObamaCareFacts.com, FactsOnMedicare.com, and other websites. He has been in the health insurance and healthcare information field since 2012. ObamaCareFacts.com is a...
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