2017 Federal Poverty Level
Published Aug 31st, 2016
Income Bracket Chart
The following 2017 United States FPL income brackets are for the contiguous 48 states. For Alaska or Hawaii, click here.
HideView The 2017 FPL Rate Table – Text Version
| Family Size | FPL 100% | FPL 138% | FPL 250% | FPL 400% |
| 1 | $12,060 | $16,642 | $30,150 | $48,240 |
| 2 | $16,240 | $22,411 | $40,600 | $64,960 |
| 3 | $20,420 | $28,179 | $51,050 | $81,680 |
| 4 | $24,600 | $33,948 | $61,500 | $98,400 |
| 5 | $28,780 | $39,716 | $71,950 | $115,120 |
| 6 | $32,960 | $45,484 | $82,400 | $131,840 |
| 7 | $37,140 | $51,253 | $92,850 | $148,560 |
| 8 | $41,320 | $57,021 | $103,300 | $165,280 |
Alaska 2018 Federal Poverty Level
| Family Size | FPL 100% | FPL 138% | FPL 250% | FPL 400% |
| 1 | $15,060 | $20,782 | $37,650 | $60,240 |
| 2 | $20,290 | $28,000 | $50,725 | $81,160 |
| 3 | $25,520 | $35,217 | $63,800 | $102,080 |
| 4 | $30,750 | $42,435 | $76,875 | $123,000 |
| 5 | $35,980 | $49,652 | $89,950 | $143,920 |
| 6 | $41,210 | $56,869 | $103,025 | $164,840 |
| 7 | $46,440 | $64,087 | $116,100 | $185,760 |
| 8 | $51,670 | $71,304 | $129,175 | $206,680 |
Hawaii 2018 Federal Poverty Level
| Family Size | FPL 100% | FPL 138% | FPL 250% | FPL 400% |
| 1 | $13,860 | $19,126 | $34,650 | $55,440 |
| 2 | $18,670 | $25,764 | $46,675 | $74,680 |
| 3 | $23,480 | $32,402 | $58,700 | $93,920 |
| 4 | $28,290 | $39,040 | $70,725 | $113,160 |
| 5 | $33,100 | $45,678 | $82,750 | $132,400 |
| 6 | $37,910 | $52,315 | $94,775 | $151,640 |
| 7 | $42,720 | $58,953 | $106,800 | $170,880 |
| 8 | $47,530 | $65,591 | $118,825 | $190,120 |
Each year the [hnd word=”Federal Poverty Level”] typically increases in line with the the cost of living in the United States. It is important for anyone who wants to enroll in an Obamacare plan (subsidized healthcare), regardless of whether you are a single individual or a large family, to understand where you fall on the 2017 Federal Poverty Level Chart.
If you earn 250% of the FPL and you purchase a silver plan on the exchange, you may be eligible for a subsidy and an additional tax credit to help bring your costs down.
You can use the chart or click below to get rates and subsidy information for your area.
| Persons in Household | FPL100% | FPL138%* | FPL250%FPL400% | |
| 9+ | If more than 8 people in your household, add $4,160 for each additional person. | |||
| 1 | $12,060 | $16,642 | $30,150 | $48,240 |
| 2 | $16,240 | $22,411 | $40,600 | $64,960 |
| 3 | $20,420 | $28,179 | $51,050 | $81,680 |
| 4 | $24,600 | $33,948 | $61,500 | $98,400 |
| 5 | $28,780 | $39,716 | $71,950 | $115,120 |
| 6 | $32,960 | $45,484 | $82,400 | $131,840 |
| 7 | $37,140 | $51,253 | $92,850 | $148,560 |
| 8 | $41,320 | $57,021 | $103,300 | $165,280 |
Updated 2017 Income Brackets to Determine Subsidy Eligibility
Certain states have chosen to expand the eligibility requirements of Medicaid. If you live in a state that did expand the requirements, you may be eligible if you make 138% of the FPL or less. Otherwise, you may be eligible if you earn less than 100% of the FPL.
Alaska2017 Federal Poverty Level
Income Bracket Chart
| Persons in Household | FPL100%FPL138%* | FPL250%FPL400% | ||
| If your household contains more than 8 people, add $5,200 for each additional person. | ||||
| 1 | $15,060 | $20,782 | $37,650 | $60,240 |
| 2 | $20,290 | $28,000 | $50,725 | $81,160 |
| 3 | $25,520 | $35,217 | $63,800 | $102,080 |
| 4 | $30,750 | $42,435 | $76,875 | $123,000 |
| 5 | $35,980 | $49,652 | $89,950 | $143,920 |
| 6 | $41,210 | $56,869 | $103,025 | $164,840 |
| 7 | $46,440 | $64,087 | $116,100 | $185,760 |
| 8 | $51,670 | $71,304 | $129,175 | $206,680 |
Hawaii2017 Federal Poverty Level
Income Bracket Chart
| Persons in Household | FPL100%FPL138%* | FPL250%FPL400% | ||
| If your household contains more than 8 people, add $4,780 for each additional person. | ||||
| 1 | $13,860 | $19,126 | $34,650 | $55,440 |
| 2 | $18,670 | $25,764 | $46,675 | $74,680 |
| 3 | $23,480 | $32,402 | $58,700 | $93,920 |
| 4 | $28,290 | $39,040 | $70,725 | $113,160 |
| 5 | $33,100 | $45,678 | $82,750 | $132,400 |
| 6 | $37,910 | $52,315 | $94,775 | $151,640 |
| 7 | $42,720 | $58,953 | $106,800 | $170,880 |
| 8 | $47,530 | $65,591 | $118,825 | $190,120 |
2017 Premium Tax Credits
Premium tax credits can be applied upfront using these calculations to discount your health insurance premium using form 8962 at the year-end tax filing season. To make this process a little easier, take a look at the charts above to find your income range. There are separate charts for those who live in either Alaska or Hawaii, because the cost of living indexes are higher than the rest of the 48 contiguous states and Washington, DC.
Cost-Sharing Allowances
Income Based
Federal Poverty Levels (FPL) are used to calculate the amount of cost assistance you may qualify for when purchasing insurance through your State or Federal health insurance marketplace as well as your eligibility for help with Medicaid and the Children’s Health Insurance Program (CHIP) costs. New rates are determined annually as a result of inflation rates measured by the Consumer Price Index (CPI) and are based on household income and family size. An individual or family making between 100 percent and 400 percent of FPL may qualify for premium tax credits.
Once you’ve determined your Federal Poverty Guideline percentage, you can check the 2017 Health Insurance Cost Assistance chart to determine the amount of premium and other cost-sharing help you are eligible for, which is again based on the size of your income and number of household residents.
% Federal Poverty Level Income Bracket
$ Money for Premiums, Copays, & Deductibles*
| FPL % | .Covered Costs | .Your Costs |
| ≤ 135% | 100%0% | |
| 135% ≥ 140% | 75%25% | |
| 140% ≥ 145% | 50%50% | |
| 145% ≥ 150% | 25%75% | |
| 151%+ | 0%100% | |
*As a couple or married, this is still 100% help toward premiums, but there is less help with copays and deductibles.
FPL Income 100-250%
If you make between 100% and 250% of FPL and you enroll in a Silver Plan on the marketplace, you may qualify for cost assistance for your out-of-pocket costs. People who have a lower FPL percentage will also have a lower cap on the amount of money they have to pay out-of-pocket for their healthcare expenses. Cost assistance is based on the household or family’s Modified Adjusted Gross Income (MAGI) reported by the head of household – combined with any jointly filing spouse – plus the Adjusted Gross Income (AGI) of any dependents.
FPL Income >138%
Making less than 138% of FPL in a state that expanded their Medicaid program may qualify you for Medicaid or CHIP. An income less than 100% of FPL is considered below the poverty line. This can be a problem for you if your state did not expand their Medicaid program, exposing you to the Medicaid Gap. This situation creates a zero percent eligibility for adults living in poverty without a dependent child, however, CHIP offers coverage to those children whose parents have no or very low income.
FPL Income 100-133%
Before the [hnd word=”Affordable Care Act”] (ACA), the federal government required eligibility levels for children and pregnant women to be at least 100 to 133 percent of the FPL. The ACA law says that people who earn up to 133% of the FPL will be eligible for Medicaid in states that expanded the eligibility requirements, but also calls for a new method of calculating income, making the minimum threshold actually 138%. These minimums can be set higher by individual states and many have already made these adjustments. More people are able to qualify for the lower threshold and the five percent difference is being “disregarded.” CHIP income qualification is usually set at a higher percentage for children and parents and decreases as those children get older.
2016 Federal Poverty Level Charts – Income Brackets for 2017 Premium Tax Credits
The following data was published on or about November 2016 for the 2017 calendar year, and was based on data and information available to HHS at that time. Every year, estimates are released for the FPL guidelines early and are then updated after that calendar year ends and the Consumer Price Index, which is used to determine the general cost of living, is finalized and incorporated into the equation.
| FAMSIZE | FPL100% | FPL138%* | FPL250% | FPL400% |
| 9+ add $4,160 for each additional person. | ||||
| 1 | $11,880 | $16,400 | $29,700 | $47,550 |
| 2 | $16,020 | $22,100 | $40,050 | $64,100 |
| 3 | $20,160 | $27,800 | $50,400 | $84,650 |
| 4 | $24,300 | $33,600 | $60,750 | $97,200 |
| 5 | $28,440 | $39,250 | $71,100 | $113,800 |
| 6 | $32,580 | $44,950 | $81,450 | $130,300 |
| 7 | $36,730 | $50,700 | $91,850 | $146,900 |
| 8 | $40,890 | $56,450 | $102,250 | $163,550 |
| FAMSIZE | FPL100% | FPL138%* | FPL250% | FPL400% |
| 9+ add $5,200 for each additional person. | ||||
| 1 | $14,840 | $20,480 | $37,100 | $59,360 |
| 2 | $20,020 | $29,390 | $53,250 | $85,200 |
| 3 | $25,200 | $34,780 | $63,000 | $100,800 |
| 4 | $30,380 | $41,920 | $75,950 | $121,520 |
| 5 | $35,560 | $49,070 | $88,900 | $142,240 |
| 6 | $40,740 | $56,220 | $101,850 | $162,960 |
| 7 | $45,920 | $63,370 | $114,800 | $183,680 |
| 8 | $51,120 | $70,550 | $127,800 | $204,480 |
| FAMSIZE | FPL100% | FPL138%* | FPL250% | FPL400% |
| 9+ add $4,780 for each additional person. | ||||
| 1 | $13,670 | $18,860 | $34,180 | $54,680 |
| 2 | $18,430 | $25,430 | $46,080 | $73,720 |
| 3 | $23,190 | $32,000 | $57,980 | $92,760 |
| 4 | $27,950 | $38,570 | $69,880 | $111,800 |
| 5 | $32,710 | $45,140 | $81,780 | $130,840 |
| 6 | $37,470 | $51,710 | $93,680 | $149,880 |
| 7 | $42,230 | $58,280 | $105,580 | $168,920 |
| 8 | $47,010 | $64,870 | $117,530 | $188,040 |
*The ACA law text reads 133%, but also calls for a new method of calculating income bringing the minimum to 138% and they are choosing to disregard the 5% discrepancy.
Looking for last year’s income brackets?