2024 ObamaCare Eligibility Chart and Subsidy Calculator
This page features a 2024 ObamaCare eligibility chart, the 2023 federal poverty level used for 2024 subsidies, and a subsidy calculator.
ObamaCare Cost Assistance
To qualify for assistance under the Affordable Care Act, your income generally must fall between 100% and 400% of the federal poverty level. For 2024 coverage, this range is $14,580 to $58,320 for an individual and $30,000 to $120,000 for a family of four.
However, through 2025, the rules are slightly different. 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 will gradually decrease as your taxable income rises, eliminating the sharp cutoff or ‘subsidy cliff’ at $58,320/$120,000.
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 type of assistance has specific eligibility requirements based on your income as a percentage of the federal poverty level.
Obamacare Eligibility Chart
Below is the 2024 ObamaCare eligibility chart.
| Types of Cost Assistance For 2024 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if your state decides to offer it) | Up to $20,120* | Up to $41,400* |
| Help to pay your premium (if you buy in your state’s online marketplace) | Between $14,580-$58,320
IMPORTANT: Until 2025, there is no limit on premium subsidy caps. |
Between $30,000- $120,000
IMPORTANT: Until 2025, there is no limit on premium subsidy caps. |
| Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) | Between $14,580- $36,450 | Between $30,000- $75,000 |
NOTE: Medicaid/CHIP eligibility will be updated when the new Federal Poverty Level data is published in early 2024.
TIP:
Want to quickly see what you can save? Use our Subsidy Calculator below, or keep reading for more details on how assistance is calculated.
2024 ObamaCare Subsidy Calculator
Use the following subsidy calculator to determine if you qualify for 2024 assistance.
NOTE: The subsidy calculator below uses the most current levels available to estimate your 2024 subsidy amounts. The exact amount of assistance you qualify for depends on your actual income.
The Federal Poverty Guidelines Used in 2024
Here are the 2023 Federal Poverty Guidelines that went into effect in early 2023 which are used 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 includes the 100% poverty level, the 138% Medicaid expansion threshold, the 250% CSR subsidy threshold, and the 500% premium tax credit threshold. This allows you to quickly determine what assistance you may qualify for. Please note, if your income is below 138%, you may qualify for Medicaid Expansion. CSR eligibility is between 100% and 250%, while tax credits apply between 100% and 500%. See more 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.
The following guideline figures represent annual income.
| 2023 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: 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 or households with more than eight members, add $5,140 for each additional person. | ||||
NOTE: Alaska and Hawaii use different guidelines (see below).
| 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.
| 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.
- 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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