Florida · 2026 income estimator
ACA income & FPL estimator for Florida
Estimate your federal poverty level percentage from tax household size and expected full-year income. This tool does not calculate a final benchmark plan, premium tax credit amount or eligibility decision.
What this estimator does
Marketplace savings for a coverage year generally use the prior year’s federal poverty guidelines. For 2026 coverage in the contiguous United States, this estimator uses the 2025 HHS guideline: $15,650 for one person, plus $5,500 for each additional household member.
The tool does not calculate a final benchmark plan, premium tax credit amount or eligibility decision. Actual results depend on location, ages, tax household, expected income, immigration status and access to Medicaid, Medicare or affordable employer coverage.
What changed for 2026
The enhanced premium tax credits available from 2021 through 2025 expired. The original statutory structure generally limits premium tax credits to qualifying households between 100% and 400% of the applicable federal poverty level. Other rules can change the result, and lawfully present immigrants below 100% FPL may have a different path.
Florida has not adopted the ACA adult Medicaid expansion. Some adults below 100% FPL can fall into a coverage gap if they do not qualify for Florida Medicaid under another category. Children and pregnant applicants have different public-program rules.
Income is an annual estimate
Use expected income for everyone in the tax household for all of 2026—not only what you earn today. Include income types required by the Marketplace, and update HealthCare.gov if the estimate changes. Self-employed applicants generally use expected net business income rather than gross receipts.
Official sources
- HHS ASPE — 2025 Poverty Guidelines
- HealthCare.gov — Income and household information
- HealthCare.gov — Savings and costs
- CMS — 2026 Marketplace policy changes
Read the Editorial & Source Policy.
Updated September 21, 2026.
Want help with the rest of the picture?
Start with your timing and ZIP, then add household details before contact information.
