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 get assistance under the Affordable Care Act, you generally must earn between 100% – 400% of the poverty level. For 2024 coverage, that is $14,580-$58,320 for an individual and $30,000- $120,000 for a family of four.

With that said, things will work a little differently until 2025. 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 rises. That means there is no sharp cutoff or “subsidy cliff” at $58,320 / $120,000.

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 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 find out what you can save quickly? Check out our Subsidy Calculator below. Or you can keep reading to find out 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 currently available levels to give you an idea of 2024 subsidy amounts. The exact amount of assistance you qualify for depends on your actual income.

The Federal Poverty Guidelines Used in 2024

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.

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.

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...

ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About ObamaCareFacts.com or Contact us.