What are the Federal Poverty Levels for 2027 Marketplace coverage?

Your income as a percentage of the federal poverty level (FPL) decides what help you can get with a Marketplace plan for 2027 coverage.

The thresholds that matter

• Below 100% FPL: generally not eligible for Marketplace premium tax credits, but you may qualify for Medicaid depending on your state.
• Up to 138% FPL: you may qualify for Medicaid in states that expanded it.
• 100% to 400% FPL: you may qualify for premium tax credits that lower your monthly premium. The enhanced credits from the American Rescue Plan and Inflation Reduction Act expired at the end of 2025, so the original ACA rules apply unless Congress changes the law.
• Up to 250% FPL: you may also get cost-sharing reductions, which lower your deductible and out-of-pocket costs, if you choose a Silver plan.

Plan-year 2027 subsidies are calculated from the 2026 federal poverty guidelines. See our chart for the exact dollar amounts by household size: Federal Poverty Guidelines 2026.

Why your estimate can change

Your subsidy depends on your expected income for the coverage year, the number of people in your tax household, your ZIP code and the benchmark Silver plan price where you live. Update your income on your application if it changes during the year.

Educational use only. Eligibility and subsidy rules can change. Check HealthCare.gov or your state exchange for current figures.