2026 Open Enrollment Period To Purchase Individual Health Insurance Runs From Nov 1 – Jan 15, 2026!
If you don’t act by January 15th, 2026 you can’t get 2026 coverage unless you qualify for a Special Enrollment Period. Plans sold December 15th during Open Enrollment will take effect on Jan 1, 2026. Plans sold through January 15th will have a Feb 1st effective date.
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Individual and Family Open Enrollment
**Do you need help paying for your premium? Ask us if you qualify for a subsidy.
Federal Poverty Level (FPL)
A measure of income is issued every year by the Department of Health and Human Services (HHS). Federal poverty levels are used to determine your eligibility for certain programs and benefits, including savings on Marketplace health insurance, and Medicaid and CHIP coverage.
The 2026 federal poverty level (FPL) income numbers below are used to calculate eligibility for Medicaid and the Children's Health Insurance Program (CHIP). 2020 numbers are slightly lower, and are used to calculate savings on Marketplace insurance plans for 2026.
- $15,060 for individuals
- $20,440 for a family of 2
- $25,820 for a family of 3
- $31,200 for a family of 4
- $36,580 for a family of 5
- $41,960 for a family of 6
- $47,340 for a family of 7
- $52,720 for a family of 8
- more... add $5,380 each
Federal Poverty Level amounts are higher in Alaska and Hawaii. See all HHS poverty guidelines for 2024.
How federal poverty levels are used to determine eligibility for reduced-cost health coverage
- Income above 400% FPL: If your income is above 400% FPL, you may now qualify for premium tax credits that lower your monthly premium for a 2021 Marketplace health insurance plan.
- Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.
- Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income.
- Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health insurance plan or for income-based Medicaid.
"Income" above refers to "modified adjusted gross income" (MAGI). For most people, it's the same or very similar to "adjusted gross income" (AGI). MAGI isn't a number on your tax return.
Related content
- Income levels that qualify for savings
- Federal poverty levels for previous years
- How income is counted for health coverage savings
- How to find out if you qualify for Medicaid & CHIP coverage
If you go to healthcare.gov and start an application be sure and enter the broker you are working with: We are a FREE service to you, and working with us is in your best interest. We will be an advocate for you and working with us doesn’t increase your premium.
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