ACA Enrollments YOY

(Source: Marketplace Enrollment, 2014-2024 | KFF)

Federal Poverty Level Chart

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 2024 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 at or below 150% FPL: If your income falls at or below 150% FPL in your state and you’re not eligible for Medicaid or CHIP, you may qualify to enroll in or change Marketplace coverage through a Special Enrollment Period.
• 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.

2024 Federal Poverty Level Guidelines

(Source: Federal Poverty Level (FPL) – Glossary | HealthCare.gov )

Premiums by Age

2024 Average Cost per month by age

Note: The premiums above are not considering premium tax credits or subsidies.

Medicaid Expansion

• In all states: You can qualify for Medicaid based on income, household size, disability, family status, and other factors. Eligibility rules differ between states.
• In states that have expanded Medicaid coverage: You can qualify based on your income alone. If your household income is below 133% of the federal poverty level, you qualify. (Because of the way this is calculated, it turns out to be 138% of the federal poverty level. A few states use a different income limit.)

(Source: https://www.kff.org/affordable-care-act/issue-brief/status-of-state-medicaid-expansion-decisions-interactive-map/ & https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/ )

Year-round SEP til end of 2025

Marketplace Enrollment Snapshot

(Source: Historic 21.3 Million People Choose ACA Marketplace Coverage | HHS.gov)

Enrollment by State

(Source: Total Marketplace Enrollment | KFF)