2023 Federal Poverty Guidelines (For 2024 Coverage)

The 2023 Federal Poverty Guidelines (for 2024 Cost assistance and 2023 Medicaid/CHIP)

Below are the 2023 Federal Poverty Guidelines that went into effect in early 2023 (the ones you use for 2023 Medicaid/CHIP and for 2024 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 2023 – Jan 2024 after the poverty level guidelines are published (exact dates subject to change each year).
  • 2024 marketplace cost assistance on all marketplace health plans held in 2023 – 2024 and purchased during open enrollment for 2024 (which runs from November 1, 2023, to January 15, 2024).
  • For special enrollment in 2024.
  • For ACA taxes filed for the 2024 calendar year (filed in 2025).

NOTE: Our federal poverty guideline list has a 100% poverty level, 138% Medicaid expansion threshold, 250% CSR subsidy threshold, and 500% premium tax credit thresholds. This lets you see 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 500%. See details on subsidies under the ACA.

NOTE: The 400% Federal Poverty Level (FPL) Subsidy Cliff was temporarily removed by the American Rescue Plan and extended through 2025 by the Inflation Reduction Act. Through 2025, if you make over 400% FPL tax credits gradually decrease as your taxable income raises.

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

The following guideline figures represent annual income.

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:  Previous Tax Credit Cap
1 $14,580 $20,120 $36,450 $58,320
2 $19,720 $27,214 $49,300 $78,880
3 $24,860 $34,307 $62,150 $99,440
4 $30,000 $41,400 $75,000 $120,000
5 $35,140 $48,493 $87,850 $140,560
6 $40,280 $55,586 $100,700 $161,120
7 $45,420 $62,680 $113,550 $181,680
8 $50,560 $69,773 $126,400 $202,240
For families/households with more than 8 persons, add $5,140 for each additional person.

NOTE: Alaska and Hawaii use different guidelines (see below).

2023 Poverty Guidelines for Alaska

Persons in family/household Poverty guideline
1 $18,210
2 24,640
3 31,070
4 37,500
5 43,930
6 50,360
7 56,790
8 63,220

For families/households with more than 8 persons, add $6,430 for each additional person.

2023 Poverty Guidelines for Hawaii

Persons in family/household Poverty guideline
1 $16,770
2 22,680
3 28,590
4 34,500
5 40,410
6 46,320
7 52,230
8 58,140

For families/households with more than 8 persons, add $5,910 for each additional person.

FACT: The Federal Register notice for the 2023 Poverty Guidelines was published on January 19, 2023.

How to calculate a percentage of the Federal Poverty Level: Medicaid uses 138% of the Federal Poverty level to determine assistance. The math works like this. Take the published guideline dollar amount, multiply by 1.38, and then round to the nearest whole number. So, for example, $14,580 x 1.38 = $20,120.40. We round down, and therefore $20,120 is 138% of the Federal Poverty Level threshold for 2023 Medicaid and CHIP. The methodology is the same for all FPL percentages. We have made the calculations for you above, but it still helps to know the methodology.

Medicaid and CHIP: You can sign up for Medicaid and CHIP 365 days a year. You may qualify for free or low-cost care for Medicaid based on income and family size if you make 138% of the poverty level or, for example, $20,120 individual or $41,400 for a family of four in 2023. Specifics may differ by state.

Healthcare Cost Assistance: You may qualify for marketplace cost assistance based on income and family size each year if you make between 100% – 400% of the federal poverty level. For 2024 assistance, you’ll use the 2023 poverty levels. Please note marketplace cost assistance can be taken in advance based on projected income but is adjusted for actual income at tax time.

Article Citations
  1. A Notice by the Health and Human Services Department on 01/19/2023. 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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