2026 Federal Poverty Level (FPL) Chart
The 2026 FPL for a single person is $15,960 per year ($1,330/month). For a family of 4, it is $33,000 per year. These thresholds determine eligibility for Medicaid, Medicare Savings Programs, CHIP, and ACA subsidies.
Last updated: May 12, 2026 | Source: HHS ASPE 2026 Poverty Guidelines
2026 FPL for 48 Contiguous States + D.C.
Annual income thresholds by household size and FPL percentage.
| Household Size | 100% | 138% | 150% | 200% | 250% | 400% |
|---|---|---|---|---|---|---|
| 1 | $15,960 | $22,025 | $23,940 | $31,920 | $39,900 | $63,840 |
| 2 | $21,640 | $29,863 | $32,460 | $43,280 | $54,100 | $86,560 |
| 3 | $27,320 | $37,702 | $40,980 | $54,640 | $68,300 | $109,280 |
| 4 | $33,000 | $45,540 | $49,500 | $66,000 | $82,500 | $132,000 |
| 5 | $38,680 | $53,378 | $58,020 | $77,360 | $96,700 | $154,720 |
| 6 | $44,360 | $61,217 | $66,540 | $88,720 | $110,900 | $177,440 |
| 7 | $50,040 | $69,055 | $75,060 | $100,080 | $125,100 | $200,160 |
| 8 | $55,720 | $76,894 | $83,580 | $111,440 | $139,300 | $222,880 |
| Each additional | $5,680 | $7,838 | $8,520 | $11,360 | $14,200 | $22,720 |
Applies to the 48 contiguous states and D.C. For Alaska and Hawaii, see the tables below.
Source: HHS ASPE 2026 Poverty Guidelines
2026 FPL for Alaska
Alaska thresholds are 25% higher than the 48 contiguous states due to higher cost of living.
| Household Size | 100% | 138% | 150% | 200% | 250% | 400% |
|---|---|---|---|---|---|---|
| 1 | $19,950 | $27,531 | $29,925 | $39,900 | $49,875 | $79,800 |
| 2 | $27,050 | $37,329 | $40,575 | $54,100 | $67,625 | $108,200 |
| 3 | $34,150 | $47,127 | $51,225 | $68,300 | $85,375 | $136,600 |
| 4 | $41,250 | $56,925 | $61,875 | $82,500 | $103,125 | $165,000 |
| 5 | $48,350 | $66,723 | $72,525 | $96,700 | $120,875 | $193,400 |
| 6 | $55,450 | $76,521 | $83,175 | $110,900 | $138,625 | $221,800 |
| 7 | $62,550 | $86,319 | $93,825 | $125,100 | $156,375 | $250,200 |
| 8 | $69,650 | $96,117 | $104,475 | $139,300 | $174,125 | $278,600 |
| Each additional | $7,100 | $9,798 | $10,650 | $14,200 | $17,750 | $28,400 |
Source: HHS ASPE 2026 Poverty Guidelines
2026 FPL for Hawaii
Hawaii thresholds are 15% higher than the 48 contiguous states.
| Household Size | 100% | 138% | 150% | 200% | 250% | 400% |
|---|---|---|---|---|---|---|
| 1 | $18,354 | $25,329 | $27,531 | $36,708 | $45,885 | $73,416 |
| 2 | $24,886 | $34,343 | $37,329 | $49,772 | $62,215 | $99,544 |
| 3 | $31,418 | $43,357 | $47,127 | $62,836 | $78,545 | $125,672 |
| 4 | $37,950 | $52,371 | $56,925 | $75,900 | $94,875 | $151,800 |
| 5 | $44,482 | $61,385 | $66,723 | $88,964 | $111,205 | $177,928 |
| 6 | $51,014 | $70,399 | $76,521 | $102,028 | $127,535 | $204,056 |
| 7 | $57,546 | $79,413 | $86,319 | $115,092 | $143,865 | $230,184 |
| 8 | $64,078 | $88,428 | $96,117 | $128,156 | $160,195 | $256,312 |
| Each additional | $6,532 | $9,014 | $9,798 | $13,064 | $16,330 | $26,128 |
Source: HHS ASPE 2026 Poverty Guidelines
2026 FPL Monthly Income Amounts (48 States + D.C.)
Monthly thresholds calculated by dividing annual by 12. Useful for monthly eligibility verification.
| Household Size | 100% (monthly) | 138% (monthly) | 200% (monthly) | 400% (monthly) |
|---|---|---|---|---|
| 1 | $1,330 | $1,835 | $2,660 | $5,320 |
| 2 | $1,803 | $2,489 | $3,607 | $7,213 |
| 3 | $2,277 | $3,142 | $4,553 | $9,107 |
| 4 | $2,750 | $3,795 | $5,500 | $11,000 |
| 5 | $3,223 | $4,448 | $6,447 | $12,893 |
| 6 | $3,697 | $5,101 | $7,393 | $14,787 |
| 7 | $4,170 | $5,755 | $8,340 | $16,680 |
| 8 | $4,643 | $6,408 | $9,287 | $18,573 |
Amounts rounded to the nearest dollar.
Source: HHS ASPE 2026 Poverty Guidelines
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Different healthcare programs use different FPL percentages as their eligibility cutoff. Here are the most common ones.
| FPL Percentage | Healthcare Program Using This Threshold |
|---|---|
| 100% FPL | Medicare Savings — QMB (Qualified Medicare Beneficiary) |
| 120% FPL | Medicare Savings — SLMB (Specified Low-Income Medicare Beneficiary) |
| 135% FPL | Medicare Savings — QI (Qualifying Individual) |
| 138% FPL | Medicaid expansion (adults in 41 states + D.C.) |
| 200% FPL | CHIP (Children's Health Insurance Program) in most states; ACA enhanced cost-sharing reductions |
| 250% FPL | ACA Silver-plan cost-sharing reductions ceiling |
| 300% FPL | CHIP upper limit in some states |
| 400% FPL | ACA premium tax credit ceiling (subsidies for marketplace plans) |
Frequently Asked Questions
What is the 2026 Federal Poverty Level for a family of 4?
The 2026 FPL for a family of 4 is $33,000 per year in the 48 contiguous states and D.C. In Alaska it is $41,250, and in Hawaii it is $37,950. These figures are published annually by the U.S. Department of Health and Human Services (HHS).
When are the 2026 FPL guidelines released?
The 2026 Federal Poverty Level guidelines were released in January 2026 by HHS through the Office of the Assistant Secretary for Planning and Evaluation (ASPE). They take effect for healthcare program eligibility determinations shortly after publication in the Federal Register.
Why are Alaska and Hawaii FPL amounts higher?
Alaska and Hawaii have higher costs of living than the 48 contiguous states. To account for this, the federal government sets separate guidelines: Alaska FPL is 25% higher, and Hawaii FPL is 15% higher than the contiguous states.
What does "138% FPL" mean for Medicaid?
In states that expanded Medicaid under the Affordable Care Act, adults with household income up to 138% of the Federal Poverty Level qualify for Medicaid coverage. For a single person in 2026, that is approximately $22,024 per year. For a family of 4, it is approximately $45,540.
How is FPL used for ACA marketplace subsidies?
The ACA uses FPL to determine eligibility for premium tax credits and cost-sharing reductions. Households earning up to 400% FPL ($60,240 single / $132,000 family of 4 in 2026) may qualify for premium subsidies. Households under 250% FPL also qualify for enhanced cost-sharing reductions on Silver plans.
Does FPL change every year?
Yes. HHS updates the FPL annually, typically in January, to account for inflation. The dollar amounts rise each year, but the percentage thresholds programs use (100%, 138%, 200%, etc.) stay the same.
How is MAGI different from FPL?
FPL is the income threshold. MAGI (Modified Adjusted Gross Income) is the way income is calculated — it includes wages, tips, self-employment income, and some other types, with certain deductions allowed. Most ACA and Medicaid eligibility uses MAGI compared against the appropriate FPL percentage.
What healthcare programs use the Federal Poverty Level?
In 2026, healthcare programs using FPL include: Medicaid (138% in expansion states), CHIP (typically 200-300%), ACA marketplace premium tax credits (up to 400%), ACA cost-sharing reductions (up to 250%), Medicare Savings Programs (QMB at 100%, SLMB at 120%, QI at 135%), and various state-specific assistance programs.