2014 Federal Poverty Levels (FPL) For Obamacare

Department of Health and Human Services Seal

People who don’t have health insurance from work can shop now for health plans on health care exchanges for 2014. The premiums are made affordable by a premium subsidy in the form of a tax credit calculated off your income relative to the federal poverty levels (FPL), also known as HHS poverty guidelines.

You qualify for the premium subsidy only if your modified adjusted gross income (MAGI) is at 400% FPL or below. Modified Adjusted Gross Income for Obamacare is basically your gross income minus above-the-line deductions, plus tax-exempt muni bond interest, plus untaxed Social Security benefits. In order to see if you qualify for the premium subsidy, you have to know where the FPL is.

Here are the numbers for 2013 and 2014. They increase with inflation every year in mid-January.

There are three sets of numbers. FPLs are higher in Alaska and Hawaii than in 48 contiguous states and Washington DC.

48 Contiguous States and Washington DC

Number of persons in household 2013 2014 400% 2014
1 $11,490 $11,670 $46,680
2 $15,510 $15,730 $62,920
3 $19,530 $19,790 $79,160
4 $23,550 $23,850 $95,400
more add $4,020 each add $4,060 each add $16,240 each


Number of persons in household 2013 2014 400% 2014
1 $14,350 $14,580 $58,320
2 $19,380 $19,660 $78,640
3 $24,410 $24,740 $98,960
4 $29,440 $29,820 $119,280
more add $5,030 each add $5,080 each add $20,320 each


Number of persons in household 2013 2014 400% 2014
1 $13,230 $13,420 $53,680
2 $17,850 $18,090 $72,360
3 $22,470 $22,760 $91,040
4 $27,090 $27,430 $109,720
more add $4,620 each add $4,670 each add $18,680 each


[Photo credit: Flickr user DonkeyHotey]

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  1. Steve Treisman says

    My adjusted gross income for 2014 is now expected to be in the 46,400 range. I signed up for Obamacare in December, 2013 starting in January 2014 and am receiving a subsidy. My subsidy was based on the 2013 FPL levels which I estimated my MAGI to be $45,000. When I reconcile my 2014 taxes do I reconcile using the 2013 or 2014 Federal Poverty level?
    400% of the FPL for 2014 is $46,680 which means I receive a subsidy.
    400% of the FPL for 2013 is $45,960 which means no subsidy and must be back the subsidy I received.
    Which one is correct? I am receiving conflicting answers. Thank you.

    • Harry Sit says

      It’s 2014 income against 2013 FPL. You are cutting it very close. A dividend payment or year-end capital gains distribution from your investments can throw you over. Please do all you can to manage it down, including making tax-deductible contributions to 401k, IRA, and HSA. See Stay Off the Obamacare Premium Subsidy Cliff.

  2. Kathy Kondrath says

    Like Steve, I have been receiving a subsidy since January. In August I made a substantial withdrawal from my IRA to pay for a new home because my home had not sold yet. I notified the marketplace & had my insurance switched to a different plan & subsidy amount. I was figuring I would come in at about the $43,000. income level but now it looks like it might be $46,500. I’m terrified. I was thinking of putting $6500 into a traditional IRA but I’ve seen conflicting info on whether that will lower my MAGI or not. Can you give me any input??? I will greatly appreciate any suggestions. Thank you!!

    • Harry Sit says

      Do you have earned income from working? You can only contribute to Traditional IRA if you have earned income. If you do, it will lower your MAGI.

  3. Sharon Long says

    I am 63 years old and am collecting Social Security. I earn about $11,500 per year from my job. How can I find how much of a subsidy I can receive to buy health insurance which I cannot afford without help.

  4. Rita Thoele says

    I was told by connectforhealthco (Colorado) that the poverty level for 2014 dropped to 200% to qualify for health insurance credits. Do you know if this is only applicable to CO or they don’t know the regulations?

    Thanks for any information.

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