ObamaCare Income Limits Chart
Income limits for ObamaCare depend on family size and are based on the federal poverty guidelines published each year.
2025 ObamaCare Income Limit Chart
Here is an 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 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.
2024 ObamaCare Income Limit Chart
Here is an income limit chart for ObamaCare for 2024. See our 2024 ObamaCare Eligibility Chart and Subsidy Calculator for more details.
| 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** | Between $30,000- $120,000** |
| 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 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 you make over 400% FPL tax credits gradually decrease as your taxable income raises.
TIP: Want to find out how much you can save? Check out 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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