2025 ObamaCare Eligibility Chart and Subsidy Calculator
This page features a 2025 ObamaCare eligibility chart, the 2024 federal poverty level used for 2025 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 $15,060-$60,240 for an individual and $31,200- $124,800 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 $60,240 / $124,800.
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 2025 ObamaCare eligibility chart.
| Types of Cost Assistance For 2025 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if your state decides to offer it) | Up to $20,782* | Up to $43,056* |
| Help to pay your premium (if you buy in your state’s online marketplace) | Between $15,060-$60,240
IMPORTANT: Through 2025, there is no limit on premium subsidy caps. |
Between $31,200- $124,800
IMPORTANT: Through 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 $15,060- $37,650 | Between $31,200- $78,000 |
NOTE: Medicaid/CHIP eligibility will be updated when the new Federal Poverty level data is published in early 2025.
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.
2025 ObamaCare Subsidy Calculator
Use the following subsidy calculator to determine if you qualify for 2025 assistance.
NOTE: The subsidy calculator below uses the currently available levels to give you an idea of 2025 subsidy amounts. The exact amount of assistance you qualify for depends on your actual income.
The 2024 Federal Poverty Guidelines (for 2025 Cost assistance and 2024 Medicaid/CHIP)
Below are the 2024 Federal Poverty Guidelines that went into effect in early 2024 (the ones you use for 2024 Medicaid/CHIP and for 2025 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 2024 – Jan 2025 after the poverty level guidelines are published (exact dates subject to change each year).
- 2025 marketplace cost assistance on all marketplace health plans held in 2024 – 2025 and purchased during open enrollment for 2025 (which runs from November 1, 2024, to January 15, 2025).
- For special enrollment in 2025.
- For ACA taxes filed for the 2025 calendar year (filed in 2026).
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.
| 2024 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 | $15,060 | $20,782 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,631 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
| 5 | $36,580 | $50,480 | $91,450 | $146,320 |
| 6 | $41,960 | $57,904 | $104,900 | $167,840 |
| 7 | $47,340 | $65,329 | $118,350 | $189,360 |
| 8 | $52,720 | $72,753 | $131,800 | $210,880 |
| For families/households with more than 8 persons, add $5,380 for each additional person. | ||||
NOTE: Alaska and Hawaii use different guidelines (see below).
| Persons in family/household | Poverty guideline |
|---|---|
| 1 | $18,210 |
| 2 | 25,540 |
| 3 | 32,270 |
| 4 | 39,000 |
| 5 | 45,730 |
| 6 | 52,460 |
| 7 | 59,190 |
| 8 | 65,920 |
For families/households with more than 8 persons, add $6,430 for each additional person.
| Persons in family/household | Poverty guideline |
|---|---|
| 1 | $17,310 |
| 2 | 23,500 |
| 3 | 29,690 |
| 4 | 35,880 |
| 5 | 42,070 |
| 6 | 48,260 |
| 7 | 54,450 |
| 8 | 60,640 |
For families/households with more than 8 persons, add $6,190 for each additional person..
FACT: The Federal Register notice for the 2024 Poverty Guidelines was published on January 17, 2024.
- A Notice by the Health and Human Services Department on 01/17/2024. 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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