ObamaCare Income Limits Chart
Income limits for ObamaCare are determined by family size and are based on the federal poverty guidelines published annually.
2026 ObamaCare Income Limit Chart
Below is the income limit chart for ObamaCare for 2026. See our 2026 ObamaCare Eligibility Chart and Subsidy Calculator for more details.
| Types of Cost Assistance For 2026 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if available in your state) | Up to $21,597* | Up to $44,367* |
| Premium assistance (if you purchase through your state’s online marketplace) | Between $15,650–$62,600 | Between $32,150–$128,600 |
| Subsidies for out-of-pocket costs (Silver plans only) | Between $15,650–$39,125 | Between $32,150–$80,375 |
NOTE: Medicaid/CHIP eligibility and marketplace thresholds for 2026 are based on the 2025 Federal Poverty Guidelines. If HHS updates guidelines or Congress changes subsidy rules, figures may change.
TIP: Want to quickly see your savings? Use our Subsidy Calculator.
2025 ObamaCare Income Limit Chart
Below is the income limit chart for ObamaCare for 2025. See our 2025 ObamaCare Eligibility Chart and Subsidy Calculator for more details.
| Types of Cost Assistance For 2025 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if available in your state) | Up to $20,782* | Up to $43,056* |
| Premium assistance (if purchased through the marketplace) | Between $15,060–$60,240
IMPORTANT: Through 2025, there is no limit on premium subsidy caps due to temporary ARP/IRA expansions. |
Between $31,200–$124,800
IMPORTANT: Through 2025, there is no limit on premium subsidy caps due to temporary ARP/IRA expansions. |
| Subsidies for out-of-pocket costs (Silver plans only) | Between $15,060–$37,650 | Between $31,200–$78,000 |
NOTE: These 2025 income ranges reflect the official 2024 Federal Poverty Guidelines (100% FPL for an individual is $15,060 and for a family of four is $31,200; 138%, 250%, and 400% thresholds are calculated from those values).
TIP: See what you can save using our Subsidy Calculator.
NOTE**: The 400% FPL Subsidy Cliff was temporarily removed through 2025.
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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