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Take your adjusted gross income amount and add any untaxed foreign income, non-taxable Social Security benefits, and tax-exempt interest. Don’t add any Supplemental Security Income (SSI) you got. For many people, their MAGI is the same as or very close to their adjusted gross income.
Income limits for ObamaCare are determined by family size and are based on the federal poverty guidelines published annually. Below is the income limit chart for ObamaCare for 2025. See our 2025 ObamaCare Eligibility Chart and Subsidy Calculator for more details. IMPORTANT: Through 2025, there is no limit on premium subsidy caps.
Our ACA health insurance subsidy calculator estimates your premium subsidy based on your income, age and household size.
Check if you might save on Marketplace premiums, or qualify for Medicaid or Children's Health Insurance Program (CHIP), based on your income. Or, find out who to include in your household and how to estimate income before you apply.
When you fill out a health insurance application and use some tools on this website, you’ll need to estimate your expected income. Two important things to know: Marketplace savings are based on your expected household income for the year you want coverage, not last year’s income.
While anyone who is eligible can buy health insurance under Obamacare, those with household incomes between 100% and 400% of the federal poverty level (FPL) and above may qualify for financial assistance that reduces their premiums and out-of-pocket costs.
To get assistance under the Affordable Care Act, you generally must earn between 100% – 400% of the poverty level. For 2024 coverage, that is $15,060-$60,240 for an individual and $31,200- $124,800 for a family of four. With that said, things will work a little differently until 2025.