✅ Calculator FPL ACA expansion 2026
Medicaid Eligibility Quick-Check
A federal-baseline test for ACA Medicaid expansion. In expansion states (40 plus DC), adults under 65 generally qualify if household income is at or below 138% of the Federal Poverty Level (FPL). This calculator shows where you stand against that line. Children, pregnancy, disability, long-term care, and non-expansion states use different rules — this is the broadest single gateway.
2026 FPL for your household: —
138% FPL (expansion threshold): —
Your income as % of FPL: —
Likely outcome: —
—
2026 Federal Poverty Level (48 contiguous states + DC)
| Household size | 100% FPL (annual) | 138% FPL (Medicaid expansion) |
|---|---|---|
| 1 | $15,960 | $22,025 |
| 2 | $21,600 | $29,808 |
| 3 | $27,240 | $37,591 |
| 4 | $32,880 | $45,374 |
| 5 | $38,520 | $53,158 |
| 6 | $44,160 | $60,941 |
| 7 | $49,800 | $68,724 |
| 8 | $55,440 | $76,507 |
Alaska and Hawaii use higher FPL tables.
What this calculator does NOT cover
- Children (CHIP). Most states cover children up to 200%–300% of FPL.
- Pregnancy. Income limits typically extend to 138%–200% of FPL even in non-expansion states.
- Disability or aged 65+. ABD (Aged, Blind, Disabled) Medicaid uses much stricter income AND asset limits — typically around the SSI federal benefit rate ($967/month individual in 2026) plus modest disregards. Asset limit is usually $2,000 individual / $3,000 couple.
- Long-Term Care Medicaid (LTC). Different income/asset tests, the spousal-impoverishment rules, and the Minimum Monthly Maintenance Needs Allowance (MMMNA) for the community spouse.
- Medically Needy / Spend-Down. Some states allow you to "spend down" income on medical expenses to qualify even when income exceeds the limit.
- Dual-eligible. People on Medicare who also qualify for Medicaid get help with Medicare premiums, deductibles, and copays via the Medicare Savings Programs (QMB, SLMB, QI, QDWI).