2026 Florida ACA Income Chart (Marketplace Eligibility Guide)
Introduction
Use this Florida ACA Income Chart to quickly estimate whether your household income falls within the ranges commonly used to determine Marketplace subsidy eligibility.
Your eligibility is based on three key factors:
- Household income (MAGI): Your projected annual Modified Adjusted Gross Income.
- Household size: The number of people included in your tax household.
- Federal Poverty Level (FPL): The federal income guidelines used to determine subsidy eligibility.
The income chart below combines these factors into a quick reference to help estimate where your household falls. For a complete explanation of how eligibility works, see our Florida ACA Income Limits Guide.
2026 Florida ACA Income Chart
Below is a simplified Florida marketplace income table for common household sizes.
| Household Size | ~100% FPL | ~150% FPL | ~200% FPL | ~250% FPL | ~400% FPL |
|---|---|---|---|---|---|
| 1 | ~$15,960 | ~$23,940 | ~$31,920 | ~$39,900 | ~$63,840 |
| 2 | ~$21,640 | ~$32,460 | ~$43,280 | ~$54,100 | ~$86,560 |
| 3 | ~$27,320 | ~$40,980 | ~$54,640 | ~$68,300 | ~$109,280 |
| 4 | ~$33,000 | ~$49,500 | ~$66,000 | ~$82,500 | ~$132,000 |
| 5 | ~$36,680 | ~$58,020 | ~$77,360 | ~$96,700 | ~$154,720 |
The figures in our Florida ACA Income Chart represent approximate thresholds relative to Federal Poverty Level percentages, and can help determine ACA eligibility income in Florida.
Need a More Personalized Estimate?
The income chart gives you a general estimate. We’ll help you review your household information, confirm your eligibility, and compare plans that fit your needs and budget.
How to Use This Florida ACA Income Chart
Use this chart as a quick reference to estimate where your household income falls within the Federal Poverty Level (FPL) guidelines used to determine ACA Marketplace savings.
- Find your household size.
- Estimate your annual household income.
- Compare your income to the chart.
- Use our Florida ACA Subsidy Calculator for a personalized estimate or speak with a licensed Florida agent to compare your plan options.
What These Percentages Mean
Around 100% FPL
May fall into Medicaid eligibility (depending on Florida program criteria). Florida has not expanded Medicaid under ACA expansion rules, so eligibility standards differ from expansion states.
100%–150% FPL
Often qualifies for:
- Strong premium tax credits
- Potential $0 premium Silver plans
- Cost-sharing reductions
150%–200% FPL
Typically qualifies for:
- Significant premium subsidies
- Reduced deductible Silver plans (CSR eligible range)
200%–400% FPL
May qualify for:
- Moderate premium subsidies
- Reduced premium compared to full-price plans
Above 400% FPL
Subsidy eligibility depends on current federal subsidy structure. In recent years, some higher-income households may still qualify for limited premium assistance depending on benchmark plan cost relative to income.
Medicaid Considerations in Florida
Florida has not adopted full Medicaid expansion. This means some adults with very low incomes may fall into a coverage gap where they qualify for neither Medicaid nor Marketplace subsidies.
As a result:
- Adults without qualifying disability or dependent status may not qualify for Medicaid solely based on low income
- Some individuals below 100% FPL may fall into a coverage gap
Medicaid eligibility in Florida follows separate state guidelines.
Individuals near or below 100% FPL should review both Marketplace and Medicaid options carefully.
Cost-Sharing Reductions (Silver Plans Only)
Cost-Sharing Reductions (CSR) are additional savings available on eligible Silver Marketplace plans for households within certain income ranges.
Example Scenarios
Example 1: Single Individual
Income: $28,000 | Household size: 1
Likely between 150–200% FPL
May qualify for strong premium subsidies and CSR Silver plan options.
Example 2: Family of Four
Income: $65,000 | Household size: 4
Likely near 200% FPL
May qualify for moderate subsidies and cost-sharing reductions.
Example 3: Married Couple
Income: $90,000 | Household size: 2
Likely above 400% FPL depending on annual updates
Subsidy eligibility may depend on benchmark premium percentage rules.
Income Changes During the Year
ACA subsidies are based on your projected annual household income. If your income changes during the year, your subsidy eligibility may also change.
Learn more in our guide: Income Change After ACA Enrollment
Continue Learning About Florida ACA Eligibility
Use the chart as a starting point, then explore these guides to better understand your options.
Know Where Your Income Falls? Let’s Find The Right Plan.
You’ve seen how household income affects ACA eligibility. The next step is comparing real Florida health plans and finding out what financial assistance may be available.
