Federal poverty level (FPL)
A measure of income updated yearly by the Department of Health and Human Services (HHS) that’s used to determine eligibility for certain programs and benefits, like Marketplace
, and Medicaid and the Children's Health Insurance Program (CHIP) coverage.
These 2025 FPL income numbers are used to check if you're eligible for Medicaid and CHIP. Income amounts from the previous year are used to calculate Marketplace savings for the next year.
Federal poverty level (FPL)
| Family size | 2024 income numbers | 2025 income numbers |
|---|---|---|
| For individuals | $15,060 | $15,650 |
| For a family of 2 | $20,440 | $21,150 |
| For a family of 3 | $25,820 | $26,650 |
| For a family of 4 | $31,200 | $32,150 |
| For a family of 5 | $36,580 | $37,650 |
| For a family of 6 | $41,960 | $43,150 |
| For a family of 7 | $47,340 | $48,650 |
| For a family of 8 | $52,720 | $54,150 |
| For a family of 9+ | Add $5,380 for each extra person | Add $5,500 for each extra person |
FPL amounts are higher in Alaska and Hawaii. Get all HHS poverty guidelines for 2025.
How FPL amounts determine eligibility for reduced-cost health coverage
- Income above 400% FPL: If your income is above 400% FPL, you may qualify for the premium tax credit that lowers your monthly premium for a Marketplace plan.
- Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for the premium tax credit that lowers your monthly premium for a Marketplace plan.
- Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you may qualify for Medicaid.
- Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health plan, but you may qualify for Medicaid.
"Income" above refers to
. For most people, it's the same or very similar to
. MAGI isn't a number on your tax return.