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Marketplace · Updated

Federal poverty level for 2026 coverage

Marketplace tax credits for 2026 coverage use the 2025 HHS poverty guidelines: $15,650 for one person plus $5,500 for each additional person (48 contiguous states). 400% for one person is $62,600.

Household100%138%150%200%250%300%400%
1$15,650$21,597$23,475$31,300$39,125$46,950$62,600
2$21,150$29,187$31,725$42,300$52,875$63,450$84,600
3$26,650$36,777$39,975$53,300$66,625$79,950$106,600
4$32,150$44,367$48,225$64,300$80,375$96,450$128,600
5$37,650$51,957$56,475$75,300$94,125$112,950$150,600
6$43,150$59,547$64,725$86,300$107,875$129,450$172,600

Alaska and Hawaii use higher guidelines. 138% is the usual Medicaid expansion limit for adults.

See the 2026 tax credit table.

General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.

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