Understanding the 250% Federal Poverty Level (FPL) for 2025
If you are preparing for the upcoming Open Enrollment period for health insurance, it’s important to understand where your income stands in relation to the Federal Poverty Level (FPL). Specifically, the 250% FPL threshold can have a significant impact on your eligibility for Medicaid or for premium assistance through the ACA Marketplace.
What Is the Federal Poverty Level?
The Federal Poverty Level is a measure of income used to determine eligibility for various assistance programs, including health insurance subsidies. If your household income is at or below 250% of the FPL, you may qualify for Medicaid or additional cost savings on Marketplace health plans.
2025 250% FPL Income Guidelines
The following is a breakdown of the 250% Federal Poverty Level for 2025 by household size:
250 Subsidy Chart 2025
These numbers are subject to change once the official 2025 guidelines are released by HHS, usually in January. However, these estimates can give you a good idea of whether you qualify for specific benefits. For households larger than 8 people, add an additional $13,700 per family member to determine the 250% FPL.
Why This Matters
If your household income falls at or below these thresholds, you should consider applying for Medicaid before Open Enrollment. Applying early helps ensure you won’t experience any delays during Open Enrollment, as some individuals may need a Medicaid denial letter in order to qualify for Marketplace subsidies. This requirement helps determine that you are not eligible for Medicaid before proceeding with a Marketplace health plan.
If your income is above 250% FPL, you are not eligible for Medicaid, but you may still qualify for other financial assistance in the Marketplace.
Next Steps
If you believe your income is at or below the 250% Federal Poverty Level, now is the time to act! Applying for Medicaid before Open Enrollment ensures you have plenty of time to receive approval or denial, allowing you to fully explore your coverage options for 2025.
Apply for Medicaid