2023 ObamaCare Eligibility Chart and Subsidy Calculator
This page features a 2023 ObamaCare eligibility chart, the 2022 federal poverty level used for 2023 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 2023, that is $13,590-$54,360 for an individual and $27,750- $111,000 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 2023 ObamaCare eligibility chart.
| Types of Cost Assistance For 2023 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if your state decides to offer it) | Up to $18,754* | Up to $38,295* |
| Help to pay your premium (if you buy in your state’s online marketplace) | Between $13,590-$54,360 | Between $27,750- $111,000 |
| Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) | Between $13,590- $33,975 | Between $27,750- $69,375 |
NOTE: Medicaid/CHIP eligibility will be updated when the new Federal Poverty level data is published in early 2023. See the 2024 chart for current levels.
TIP: Want to find out what you can save quickly, check out our Subsidy Calculator below.
The Federal Poverty Guidelines Used in 2023
Below are the 2022 Federal Poverty Guidelines that went into effect in early 2022 (the ones you use for 2022 Medicaid/CHIP and for 2023 marketplace cost assistance).[cite]A Notice by the Health and Human Services Department on 01/21/2022. Federalregister.gov.[/cite]
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 2022 – Jan 2023 after the poverty level guidelines are published.
- 2023 marketplace cost assistance on all marketplace health plans held in 2023 and purchased during open enrollment for 2023 (which runs from November 1, 2022, to January 15, 2023).
- For special enrollment in 2023.
- For ACA taxes for the 2023 calendar year filed in 2024.
NOTE: Our federal poverty guideline list has the 100% poverty level. To find a % level, simply multiply. For example, to find the 138% level for an individual (the 100% level for a family of 1 as shown in the table below), multiply $13,590 x 1.38.
TIP: For mobile and smaller screen sizes, drag the table below to scroll and see the different poverty levels.
2022 Poverty Guidelines for the 48 Contiguous States and the District of Columbia
| Persons in family/household | Poverty guideline |
|---|---|
| 1 | $13,590 |
| 2 | 18,310 |
| 3 | 23,030 |
| 4 | 27,750 |
| 5 | 32,470 |
| 6 | 37,190 |
| 7 | 41,910 |
| 8 | 46,630 |
For families/households with more than 8 persons, add $4,720 for each additional person.
FACT: The Federal Register notice for the 2023 Poverty Guidelines was published on January 21st, 2022.
2023 ObamaCare Subsidy Calculator
Use the following subsidy calculator to find out if you qualify for 2023 assistance now.
NOTE: The subsidy calculator below uses the currently available levels to give you an idea of 2023 subsidy amounts.