ObamaCare Income Limits Chart
Income limits for ObamaCare depend on family size and are based on the federal poverty guidelines published each year.
With that said, there is no hard limit for subsidies through 2025 as the “subsidy cliff” has been temporarily eliminated. Below, we present the income limits for 2023 coverage (plans held during 2023) and 2024 coverage (plans held during 2024).
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.
2023 ObamaCare Income Limit Chart
Here is an income limit chart for ObamaCare for 2023. See our 2023 ObamaCare Eligibility Chart and Subsidy Calculator for more details.
| Types of Cost Assistance For 2023 | Individual Annual Income Limit | Family of Four Annual Income Limit |
| Medicaid health coverage (if your state decides to offer it) | $18,754* | $38,295* |
| Help to pay your premium (if you buy in your state’s online marketplace) | $54,360** | $111,000** |
| Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) | $33,975 | $69,375 |
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 rises.
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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