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2020 Federal Poverty Guidelines

October 6, 2020
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Also known as “federal poverty guidelines,” the FPL is used to measure a household’s poverty status. It is adjusted each year for inflation. The U.S. Department of Health and Human Services (HHS) has released the 2020 federal poverty level (FPL) guidelines which are used to determine eligibility for programs such as Medicaid, food stamps, or education subsidies in 2021.

How is the Federal Poverty Level used for health insurance premium subsidies?

The IRS uses the FPL to determine whether individual insurance is affordable. To be considered affordable, the annual cost for the lowest priced silver tier health plan for self-only coverage must not be more than 9.83% of the employee’s household income. Households whose MAGI (Modified Adjusted Gross Income) falls between 100 and 400 percent of the FPL may be eligible for a premium tax credit that can lower their health insurance cost. Employers who offer an individual coverage HRA (ICHRA) should be aware that offering an ICHRA can affect employees’ eligibility for a premium tax credit.

2020 FPL Guidelines

48 Border States and D.C.

Persons in Household 2020 Federal Poverty Level Medicaid Eligibility (138% of FPL) Premium Tax Credit Threshold (400% of FPL)
1 $12,760 $17,608 $51,040
2 $17,240 $23,791 $68,960
3 $21,720 $28,180 $86,880
4 $26,200 $29,973 $104,800
5 $30,680 $39,716 $122,720
6 $35,160 $42,338 $140,640
7 $39,640 $54,703 $158,560
8 $44,120 $60,885 $176,480

* For households with more than 8 persons, add $4,480 for each additional person.

Alaska

Persons in Household 2020 Federal Poverty Level Medicaid Eligibility (138% of FPL) Premium Tax Credit Threshold (400% of FPL)
1 $15,950 $22,023 $63,800
2 $21,550 $29,739 $86,200
3 $27,150 $37,467 $108,600
4 $32,750 $45,195 $131,000
5 $38,350 $52,923 $153,400
6 $43,950 $60,651 $175,800
7 $49,550 $68,379 $198,200
8 $55,150 $76,107 $220,600

* For households with more than 8 persons, add $5,600 for each additional person.

Hawaii

Persons in Household 2020 Federal Poverty Level Medicaid Eligibility (138% of FPL) Premium Tax Credit Threshold (400% of FPL)
1 $14,680 $20,258 $58,720
2 $19,830 $27,365 $79,320
3 $24,980 $34,472 $99,920
4 $30,130 $41,579 $120,520
5 $35,280 $48,686 $141,120
6 $40,430 $55,793 $161,720
7 $45,580 $62,900 $182,320
8 $50,730 $70,007 $202,920

* For households with more than 8 persons, add $5,150 for each additional person.

Source: U.S. Department of Health and Human Services

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