TEXAS ACA / OBAMACARE
Texas ACA Federal Poverty Level (FPL) Guide
Federal Poverty Level percentages are used as part of determining eligibility for certain ACA Marketplace financial assistance.
Texas examples to help you understand what 100%–400% FPL means
HOW TO USE THIS GUIDE
Start With Household Size and Expected Annual Income
To understand your approximate Federal Poverty Level percentage, you first need two pieces of information: your Marketplace household size and your expected household income for the coverage year.
Then find the 100% FPL amount for your household size in the table below and compare your expected household income with that amount.
For example:
A Texas household of four using the 2025 poverty guideline has a 100% FPL reference amount of $32,150. If the household expects $64,300 in applicable annual household income, that is approximately 200% FPL.
Not sure what should be included in household income? Review the income guide before using this table.
Learn What Income Counts for ACA →TEXAS RESIDENTS
This Guide Is Focused on Texas
The examples on this page are designed for individuals and families living in Texas who want to better understand Federal Poverty Level percentages in connection with ACA Marketplace health insurance.
FPL is one of the measurements used when discussing income eligibility for Marketplace financial assistance.
Important:
An FPL percentage by itself does not determine whether you qualify for an ACA subsidy. Other Marketplace eligibility requirements also apply.
2026 ACA COVERAGE
Why Does This Page Use the 2025 Poverty Guideline?
This can be confusing at first.
For Premium Tax Credit purposes, the poverty guideline used for a coverage year is generally the most recently published guideline in effect on the first day of Open Enrollment for that coverage year.
Therefore, for 2026 ACA Marketplace coverage, the applicable reference is generally the 2025 Federal Poverty Level guideline.
This page uses the 2025 HHS poverty guideline as an educational reference for 2026 Texas ACA coverage.
TEXAS FPL REFERENCE
Approximate FPL Income Levels for Texas
The table below shows annual household income at several commonly discussed FPL percentages.
| Household Size | 100% FPL | 150% FPL | 200% FPL | 250% FPL | 300% FPL | 400% FPL |
|---|---|---|---|---|---|---|
| 1 | $15,650 | $23,475 | $31,300 | $39,125 | $46,950 | $62,600 |
| 2 | $21,150 | $31,725 | $42,300 | $52,875 | $63,450 | $84,600 |
| 3 | $26,650 | $39,975 | $53,300 | $66,625 | $79,950 | $106,600 |
| 4 | $32,150 | $48,225 | $64,300 | $80,375 | $96,450 | $128,600 |
| 5 | $37,650 | $56,475 | $75,300 | $94,125 | $112,950 | $150,600 |
| 6 | $43,150 | $64,725 | $86,300 | $107,875 | $129,450 | $172,600 |
Approximate annual figures based on the 2025 HHS poverty guideline used here as a reference for 2026 ACA Marketplace coverage in Texas. These figures are educational examples and do not determine individual subsidy eligibility.
TEXAS EXAMPLE
Example: A Family of Four in Texas
Consider a household of four living in Texas.
Using the guideline shown above:
| FPL Percentage | Approximate Annual Household Income |
|---|---|
| 100% | $32,150 |
| 150% | $48,225 |
| 200% | $64,300 |
| 250% | $80,375 |
| 300% | $96,450 |
| 400% | $128,600 |
Example:
If a Texas household of four expects approximately $64,300 in applicable annual household income, that would be approximately 200% FPL using this reference.
SIMPLE CALCULATION
How Do You Estimate Your FPL Percentage?
A simple way to understand the percentage is:
Household Income ÷ 100% FPL amount × 100 = approximate FPL percentage
For example, suppose a Texas household of four has approximately $80,375 in applicable household income.
The 100% FPL reference for a household of four is $32,150.
$80,375 ÷ $32,150 × 100 = approximately 250% FPL.
This calculation is for educational illustration. Marketplace household income and family size must be determined under the applicable ACA and tax rules.
ANOTHER TEXAS EXAMPLE
Example: One Person Living in Texas
For a household size of one, the 100% FPL reference shown above is approximately $15,650.
If that person's applicable annual household income were approximately $31,300, the income would be approximately 200% FPL.
At approximately $62,600, the income would be approximately 400% FPL.
400% FPL
Why Is 400% FPL Important?
Under current federal Premium Tax Credit rules for 2026 coverage, household income generally must be at least 100% and no more than 400% of the applicable Federal Poverty Level to qualify for the Premium Tax Credit, subject to other eligibility requirements and limited exceptions.
The temporary federal expansion that allowed some otherwise eligible households above 400% FPL to qualify for the Premium Tax Credit applied through 2025.
For 2026 coverage, this makes the 400% FPL level especially important when estimating household income. If your final household income is above the applicable 400% FPL limit, you generally will not qualify for the Premium Tax Credit, subject to applicable exceptions.
If your expected income is close to this level, use a reasonable estimate and report significant income changes to the Marketplace during the year.
Learn About Income Changes and Premium Tax Credit Reconciliation →Very important:
Being between 100% and 400% FPL does not automatically mean you qualify for a Marketplace subsidy.
Income is only one part of the eligibility determination.
OTHER FACTORS
ACA Subsidy Eligibility Is More Than an Income Table
Other circumstances can affect whether someone qualifies for Marketplace financial assistance.
Household
Marketplace household and family-size rules may differ from simply counting everyone who lives at the same address.
Employer Coverage
Access to affordable employer-sponsored coverage that meets applicable requirements can affect Premium Tax Credit eligibility.
Other Coverage
Eligibility for programs such as Medicare, Medicaid, CHIP, or certain other government coverage can affect Marketplace subsidy eligibility.
Tax Filing
Tax filing status and household tax relationships can also affect Premium Tax Credit eligibility.
WHAT COUNTS AS INCOME?
Don't Compare the Table to Salary Alone
ACA Marketplace household income is not necessarily the same as your salary.
Depending on your circumstances, income such as self-employment income, taxable retirement distributions, Social Security, interest, dividends, and capital gains may also matter.
Learn What Income Counts for ACA →OFFICIAL INFORMATION
Verify Current FPL and Marketplace Rules
Federal Poverty Level figures and ACA Marketplace rules can change from year to year. Always verify current information before making an insurance or financial decision.
RELATED ACA GUIDES
Continue Learning About Texas ACA / Obamacare
ACA Income & Subsidies
Learn what household income generally counts when determining Marketplace financial assistance.
Income & Subsidy Guide →ACA Open Enrollment
Learn when the annual Marketplace enrollment period occurs and why the deadlines matter.
Open Enrollment Guide →Special Enrollment Period
Learn when losing coverage or another qualifying life event may allow enrollment outside Open Enrollment.
Special Enrollment Guide →TEXAS ACA QUESTIONS
Have Questions About Your Income and ACA Options?
If you are trying to understand how your household income, family size, FPL percentage, employer coverage, or other circumstances may affect your ACA Marketplace options, you are welcome to contact me.
You generally do not pay me a separate fee for insurance guidance and enrollment assistance. If you enroll through me, I am typically compensated by the insurance company.
Assistance is available in both English and Chinese.
Important Information
This page is intended for general educational purposes for Texas residents. It does not determine eligibility for ACA Marketplace coverage, the Premium Tax Credit, Medicaid, CHIP, or any other program.
The income figures shown are reference calculations based on the applicable poverty guideline described on this page. Actual Marketplace eligibility depends on household income, family size, coverage year, access to other coverage, tax circumstances, and other applicable federal rules.
Federal Poverty Level guidelines and Marketplace rules can change. Verify current information through HealthCare.gov, HHS, and IRS resources.
Last reviewed: September 2026