ObamaCare Income Limits Chart
Income limits for ObamaCare are determined by family size and are based on the federal poverty guidelines published annually.
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 our state) | Up to $20,782* | Up to $43,056* |
| Premium assistance (if you purchase through 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 (for Silver plans purchased through 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 quickly see what you can save? Use our Subsidy Calculator below, or continue reading for more details on how assistance is calculated.
2024 ObamaCare Income Limit Chart
Below is the income limit chart for ObamaCare in 2024. For further details, visit our 2024 ObamaCare Eligibility Chart and Subsidy Calculator.
| Types of Cost Assistance For 2024 | Individual Annual Income | Family of Four Annual Income |
| Medicaid health coverage (if available in your state) | Up to $20,120* | Up to $41,400* |
| Premium assistance (if you purchase through your state’s online marketplace) | Between $14,580-$58,320** | Between $30,000- $120,000** |
| Subsidies for out-of-pocket costs (for Silver plans purchased through 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 2023.
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. Until 2025, if your income exceeds 400% FPL, tax credits will gradually decrease as your taxable income rises.
TIP: Curious about how much you can save? Use our Subsidy Calculator.
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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