Federal Poverty Level — FPL
An income measure published annually by the U.S. Department of Health and Human Services (HHS).
Official source: aspe.hhs.gov
The Federal Poverty Level (FPL) is a set of income numbers that the U.S. government puts out each year. It helps decide who can get help from certain programs. For example, in 2026, if you are a single person and make about $15,960 or less in a year (48 contiguous states), you are at the FPL.
Many programs use the FPL to decide if you can join. Some help is for people at 100% of the FPL, while others might help families making up to 400% of the FPL. For instance, Medicaid often helps people earning up to 138% of the FPL, and subsidies for health insurance through the Affordable Care Act (ACA) help those making between 100% and 400% of the FPL. [CHIP] (the Children's Health Insurance Program) helps kids in families earning between 200% and 300% of the FPL.
It's important to know that the FPL numbers are a little different for families in Alaska and Hawaii because things cost more there. A common issue is that these levels are nationwide, so they don't always match the actual cost of living in your specific town. BenefitKarma’s Benefit Eligibility Screener uses FPL calculations to help you find programs you might qualify for.
In real life
- The Garcia family's income is below the Federal Poverty Level, so their kids can get free school lunches.
- Because her income is under the Federal Poverty Level, Sarah can get help paying for her health insurance.
- John lost his job, and his income fell below the Federal Poverty Level, so he qualified for food stamps.
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Frequently asked questions about Federal Poverty Level
What is Federal Poverty Level?+
An income measure published annually by the U.S. Department of Health and Human Services (HHS), used to determine eligibility for dozens of federal benefit programs. The 2026 FPL for a family of one is $15,960/year (~$1,330/month) in the 48 contiguous states.
Who qualifies for Federal Poverty Level?+
Eligibility rules vary. Use BK's free Benefit Eligibility Screener to see if you may qualify based on your situation.
How do I apply for Federal Poverty Level?+
BenefitKarma's free Benefit Eligibility Screener can point you to the right application path.
Where can I get help?+
Use BenefitKarma's free Benefit Eligibility Screener to see what programs you may qualify for. The Find Benefits tool tool also lets you browse programs by state.
Source: aspe.hhs.gov