Federal Poverty Level Calculator

Federal Poverty Level (FPL) Calculator 2024

Contiguous U.S. (48 States & DC) Alaska Hawaii

Calculation Results

The 100% FPL for your household size is:

Your income is of the Federal Poverty Level.

function calculateFPL() { var location = document.getElementById('location').value; var size = parseInt(document.getElementById('householdSize').value); var income = parseFloat(document.getElementById('annualIncome').value); var resultDiv = document.getElementById('fplResult'); if (isNaN(size) || isNaN(income) || size < 1) { alert("Please enter a valid household size and annual income."); return; } var base, increment; // 2024 FPL Guidelines if (location === 'alaska') { base = 18810; increment = 6730; } else if (location === 'hawaii') { base = 17310; increment = 6190; } else { base = 15060; increment = 5380; } var fpl100 = base + ((size – 1) * increment); var percentage = (income / fpl100) * 100; document.getElementById('fplThresholdText').innerText = "$" + fpl100.toLocaleString(); document.getElementById('fplPercentageText').innerText = percentage.toFixed(1) + "%"; var eligibilityMsg = ""; if (percentage <= 138) { eligibilityMsg = "Note: In states that expanded Medicaid, you may qualify for Medicaid coverage (threshold is typically 138% FPL)."; } else if (percentage <= 400) { eligibilityMsg = "Note: You likely qualify for premium tax credits (subsidies) for health insurance plans through the ACA Marketplace."; } else { eligibilityMsg = "Note: While you are above 400% of the FPL, you may still qualify for some premium savings depending on your state and current legislation."; } document.getElementById('eligibilityInfo').innerHTML = eligibilityMsg; resultDiv.style.display = 'block'; }

Understanding the 2024 Federal Poverty Level (FPL)

The Federal Poverty Level (FPL) is a measure of income issued every year by the Department of Health and Human Services (HHS). These guidelines are used to determine your eligibility for certain programs and benefits, including Marketplace health insurance subsidies, Medicaid, and CHIP (Children's Health Insurance Program).

How FPL is Calculated

The FPL starts with a base amount for a single individual and increases for every additional person living in the household. Because the cost of living varies significantly in certain regions, the federal government issues three separate sets of guidelines:

• The 48 Contiguous States: Standard rates for most of the U.S.
• Alaska: Higher rates to account for significantly higher living costs.
• Hawaii: Adjusted rates reflecting the unique economic climate of the islands.

Real-World Example: 2024 Guidelines

For a family of four living in Florida (Contiguous U.S.) in 2024:

• 100% FPL: $31,200 annual income.
• 138% FPL (Medicaid Expansion Limit): $43,056 annual income.
• 400% FPL (Original Subsidy Ceiling): $124,800 annual income.

Why Your FPL Percentage Matters

Government agencies use percentages of the FPL to set eligibility cut-offs:

Program	Typical FPL Requirement
Medicaid Expansion	Up to 138% FPL
SNAP (Food Stamps)	Usually 130% FPL (Gross)
Premium Tax Credits	100% to 400%+ FPL
Cost-Sharing Reductions	100% to 250% FPL

Keep in mind that while the 2024 guidelines are used for health insurance coverage in 2025, some programs (like SNAP) may use the previous year's guidelines or update on a different fiscal calendar. Always verify your specific state's rules, as states often have the flexibility to set higher eligibility thresholds.