Health Insurance Tools · 2026
Federal Poverty Level (FPL) Calculator
Enter your household size and estimated annual income to see where you fall relative to the 2026 federal poverty guidelines — a starting point for understanding Marketplace subsidy relevance, not an eligibility determination.
This tool provides estimates only — it is not a quote and not an eligibility or subsidy determination. Final eligibility, premium tax credit amounts, and plan pricing are determined by HealthCare.gov (or your state marketplace) based on your complete application. Figures here are for general education; confirm your actual numbers before making a coverage decision.
Questions, answered
What is the federal poverty level (FPL) used for?
The FPL is a set of income thresholds published annually by HHS. Marketplace health insurance uses your income as a percentage of the FPL as one factor in determining premium tax credit (subsidy) eligibility and amount — along with household size and other factors on your actual application.
Does this calculator tell me exactly what subsidy I'll get?
No. It shows your percentage of the 2026 federal poverty guideline for education only — it is not an eligibility or subsidy determination. HealthCare.gov (or your state marketplace) calculates your actual subsidy based on your complete application.
Whose income counts toward household income?
Generally, the Modified Adjusted Gross Income (MAGI) of everyone in your tax household who is required to file a return, including your own. A licensed advisor can help you total this correctly before you apply.
Why does household size matter?
The federal poverty guideline dollar amount rises with each additional person in the household — a larger household has a higher FPL threshold, which changes the percentage the same income represents.
Ready to see your actual subsidy?
We run your real numbers through the Marketplace — free, no pressure. Also check whether a Special Enrollment Period applies to you.