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2018 Obamacare Subsidy Chart and Calculator

Use our updated chart or calculator to view the income range for Affordable Care Act discounts.

February 8, 2018 - By Hal Levy - read

The income amounts to get 2018 Obamacare subsidies are based on – but higher than – this year’s federal poverty level (FPL). These discounts on your monthly health insurance payment are also known as premium tax credits.

Minimum Income for 2018 Obamacare Subsidies?

To get Obamacare subsidies, your household must make at least 100 percent of the federal poverty level in 2018 – or:

2018 Total Household Income for Minimum ACA Subsidy

In some states, those who make under 139 percent of the federal poverty level are offered Medicaid instead of subsidies.

Households with more than 8 people should add $4,320 per person.

Alaska and Hawaii are unique states with higher income guidelines – those can be found here.

Maximum Income for 2018 Obamacare Subsidies?

To get Obamacare subsidies, your household cannot make more than 400% of the federal poverty level. The cutoff amounts for 2018 are:

2018 Total Household Income for Maximum ACA Subsidy

Alaska and Hawaii are unique states with higher income guidelines – those can be found here.

2018 Obamacare Subsidies Income Calculator

Different families get different subsidies. Use our Affordable Care Act plan search below to automatically find your premium tax credit.

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What Year Are These Subsidies For?

This information – and these household income amounts – apply to health insurance plans that cover you and your family during 2018. Affordable Care Act subsidies will not end, despite changes in Washington, D.C.

What If My Income Is Too High Or Too Low?

You can still “get Obamacare” no matter how much you make per year. You simply won’t be eligible for monthly premium discounts if your income is out of the subsidy range.

Minimum and maximum levels change every year – avoid websites that display information from 2017 or earlier!

Less Than 100 Percent of FPL: If your household makes less than 100 percent of the federal poverty level, you don’t qualify for premium tax credits (“Obamacare subsidies”). However, you’re probably eligible for Medicaid, depending on your state’s rules. To learn more, it’s important to apply directly to your state’s Medicaid program.

More Than 400 Percent of FPL: If your household makes more than 400 percent of the federal poverty level, you can find off-Marketplace insurance on sites like HealthCare.com. These plans are generally identical to subsidy-eligible plans, except cheaper. Since they don’t have to subsidize other members, these plans are sold to those who can afford them for less. However, you can’t buy these plans from the government website.

ACA subsidies 2018 | HealthCare.com

What About Cost-Sharing Reductions (CSRs)?

Health insurance providers must give additional discounts on subsidy-eligible silver plans to members earning between 100 percent and 250 percent of the federal poverty level. These discounts, called cost-sharing reductions, reduce the cost of out-of-pocket healthcare charges for things like specialists and medication. CSRs are not available on bronze, gold or platinum plans.

Cost-sharing subsidy amounts vary among different plans and providers; however, like premium tax credits, CSRs operate on a sliding scale, so those with lower incomes will be subject to lower out-of-pocket limits.

Get a free Health Insurance Quote

  • Get an instant quote for health insurance plans
  • Compare prices from over 300 carriers
  • Find a plan that fits your budget
Please enter a valid US Zip Code