Federal Poverty Level Calculator (2026): Your % of FPL

2026 federal poverty guidelines by household size

HHS publishes the poverty guidelines each January. The 2026 guidelines took effect on January 15, 2026 (91 FR, document 2026-00755). They are the numbers Medicaid, CHIP, the 2027 Marketplace subsidies and many other programs use to set income limits.

People in household	48 states and DC	Alaska	Hawaii
1	$15,960	$19,950	$18,360
2	$21,640	$27,050	$24,890
3	$27,320	$34,150	$31,420
4	$33,000	$41,250	$37,950
5	$38,680	$48,350	$44,480
6	$44,360	$55,450	$51,010
7	$50,040	$62,550	$57,540
8	$55,720	$69,650	$64,070
Each additional person	$5,680	$7,100	$6,530

The 2025 guidelines, which still apply to 2026 Marketplace coverage, were $15,650 plus $5,500 per extra person in the 48 states and DC, $19,550 plus $6,880 in Alaska and $17,990 plus $6,330 in Hawaii (90 FR 5917). Switch the guideline year in the calculator to see them.

Which percentages of the poverty level matter

Medicaid for adults in expansion states goes up to 133% of the poverty level plus a 5 percentage point income disregard, which is why the limit is usually quoted as 138%: $22,025 for one person and $45,540 for a family of four in 2026. The Marketplace premium tax credit covers household incomes from 100% to 400% of the poverty level, with the expected contribution rising at 133%, 150%, 200%, 250% and 300%; above 400% there is no credit. The ACA subsidy calculator turns those bands into a monthly credit.

Example: a family of four in Texas with $50,000 of income is at 151% of the 2026 poverty level ($50,000 divided by $33,000 is 1.515, and Form 8962 drops the decimals). They are above the 138% Medicaid line ($45,540) and well under the 400% line ($132,000).

Which year's guidelines apply to you

Marketplace coverage uses the guidelines in effect on the first day of its open enrollment: coverage for 2027 (open enrollment opened November 1, 2026) uses the 2026 guidelines, and coverage for 2026 uses the 2025 guidelines. Medicaid and most other programs switch to the new guidelines when they are published, or on a date the program sets.

Income for Medicaid and the Marketplace is modified adjusted gross income (MAGI), before tax: adjusted gross income plus tax-exempt interest, nontaxable Social Security and excluded foreign income. The household is the people on your tax return: you, your spouse and your dependents. The Census Bureau's poverty thresholds, used for statistics, are a different set of numbers.

Questions

What is the federal poverty level for a single person in 2026?

$15,960 a year in the 48 contiguous states and DC, $19,950 in Alaska and $18,360 in Hawaii, per the 2026 HHS poverty guidelines.

What is 138% of the federal poverty level in 2026?

$22,025 for one person, $29,863 for two, $37,702 for three and $45,540 for four in the 48 states and DC. It is the Medicaid income limit for adults in states that expanded Medicaid.

What is 400% of the poverty level for a family of four?

$132,000 using the 2026 guidelines, which apply to 2027 Marketplace coverage, and $128,600 using the 2025 guidelines, which apply to 2026 coverage. Above it there is no premium tax credit.

Is the poverty level based on income before or after taxes?

Before taxes. Programs such as Medicaid and the Marketplace use modified adjusted gross income, which is your adjusted gross income plus a few untaxed items.

Does the federal poverty level change by state?

Only for Alaska and Hawaii, which have their own higher guidelines. The other 48 states and DC share one set of figures, whatever the local cost of living.

Who counts in my household?

For Medicaid and Marketplace purposes, the people on your federal tax return: you, your spouse if you file together, and your tax dependents, including those who do not need coverage.

Sources

Updated November 3, 2026. Estimates only, not tax or financial advice.