Federal poverty level (FPL) percentage calculator

Marketplace eligibility for a coverage year uses the guidelines published the previous January. Coverage year 2026 therefore uses the 2025 figures.

Quoting the wrong year is the most common mistake in an FPL calculation found online.

Everyone on your tax return — you, your spouse if you file jointly, and your tax dependents. Not everyone living under your roof.

A housemate, or an adult child who files their own return, is a separate household even at the same address.

These are the guidelines for the 48 contiguous states and the District of Columbia. Alaska and Hawaii use higher figures.

Utah uses the contiguous-states numbers shown here.

They set which programs and savings you are near: cost-sharing reductions on a Silver plan below roughly 250%, premium tax credits on a sliding scale above that, and Medicaid eligibility at the lower end.

Utah has not expanded Medicaid to the full ACA threshold in the way some states have, so the lower end is worth confirming rather than assuming.

No. It is an estimate computed from published plan-year figures and the details you type in. It is not an offer of coverage or a determination of eligibility.

Your final premium and eligibility are confirmed at enrollment on HealthCare.gov or with the carrier.

From the HHS poverty guidelines (2025) and the Marketplace affordability schedule for plan year 2026. They are plan-year stamped and reviewed each January, when the federal government publishes the new ones.

If a figure here does not match what you see elsewhere, check which plan year the other source is quoting first.

Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.

Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.

No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.