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Welcome to Hummingbird Insurance’s guide to the **2025 ACA Income Limits**!

If you’re looking to secure affordable health insurance coverage through the ACA Marketplace, understanding income eligibility is essential. The Affordable Care Act (ACA) uses the Federal Poverty Level (FPL) to determine eligibility for subsidies that can make your premiums more affordable.

What is the Federal Poverty Level (FPL)?

The Federal Poverty Level (FPL) is a measure of income issued every year by the Department of Health and Human Services (HHS). For ACA Marketplace coverage, the FPL percentage directly affects your eligibility for **subsidies like Advanced Premium Tax Credits (APTCs)** and **Cost-Sharing Reductions (CSRs)**.

100% – 400% of FPL

Typically, individuals and families within this income range qualify for premium subsidies (APTCs).

Up to 250% of FPL

Those at or below this threshold may qualify for additional cost-sharing reductions, lowering out-of-pocket costs.

Here’s a breakdown of income limits based on the **2025 FPL Guidelines**:

ACA Income Limits for Tax Credit Subsidies

Family Size100% FPL<138% FPL150% FPL200% FPL400% FPL
Family Size:

1
100% FPL:

$15,060
<138% FPL:

$20,782
150% FPL:

$22,590
200% FPL:

$31,120
400% FPL:

$58,320

Family Size:

2
100% FPL:

$20,440
<138% FPL:

$28,207
150% FPL:

$30,660
200% FPL:

$40,880
400% FPL:

$78,880

Family Size:

3
100% FPL:

$25,820
<138% FPL:

$35,631
150% FPL:

$38,730
200% FPL:

$51,640
400% FPL:

$99,440

Family Size:

4
100% FPL:

$31,200
<138% FPL:

$43,056
150% FPL:

$46,800
200% FPL:

$62,400
400% FPL:

$120,000

Family Size:

5
100% FPL:

$36,580
<138% FPL:

$50,480
150% FPL:

$54,870
200% FPL:

$73,160
400% FPL:

$140,560

Family Size:

6
100% FPL:

$41,960
<138% FPL:

$57,904
150% FPL:

$62,940
200% FPL:

$83,920
400% FPL:

$167,840

*These figures are approximate. Be sure to confirm with official 2025 FPL updates.*

2025 ACA Marketplace Income Limits for Tax Credit Subsidies on healthcare.gov to lower health insurance premiums

Based on eligibility and your family size and Modified Adjusted Gross Income (“MAGI”) on your [future] 2025 Personal Tax Returns, you may qualify for subsidies to lower your net premiums on the ACA Health Insurance Marketplace. Schedule a free consultation with one of our professional agents today to review your eligibility and options, or get a quote and/or enroll here with our easy software, other than that clunky healthcare.gov! Click here to  use our recommended MAGI Calculator.

What Are Advanced Premium Tax Credits (APTCs)?

Advanced Premium Tax Credits (APTCs) help lower the cost of your health insurance premiums. The amount of the credit is based on your estimated annual income and household size compared to the FPL. APTCs are sent directly to your health insurance provider, reducing the premium amount you owe each month.

Who qualifies?

Individuals and families with incomes between **100% and 400%** of the FPL can qualify for APTCs.

How are they calculated?

APTCs are designed to ensure that your premium costs do not exceed a certain percentage of your income, based on a sliding scale.

2025 Example

A single individual with an income of $30,000 (approximately 200% of FPL) may pay as little as 2-4% of their income on premiums.

Reconciling APTCs on Your Tax Return

When you receive APTCs, you’ll need to reconcile the amount you received with your actual income when you file your taxes. Here’s how it works:

Form 1095-A

This form is sent to you by your health insurance Marketplace. It lists the details of your coverage, including the APTCs you received.

IRS Form 8962

Use this form to compare the APTCs you received throughout the year to the amount you were eligible for based on your actual income.

Overpayment or Underpayment

If you underestimated your income and received more APTCs than you were eligible for, you may need to pay back some of the credit. If you overestimated your income, you could receive a refund of any APTCs you didn’t claim.

It’s crucial to report any income changes to the Marketplace throughout the year to avoid surprises during tax season.

Why Hummingbird Insurance?

At Hummingbird Insurance, we specialize in helping individuals and families navigate the complexities of the ACA Marketplace. Whether you’re looking for guidance on 2025 ACA income limits, help applying for APTCs, or understanding the reconciliation process during tax season, we’re here for you.

Free Consultations & Expert Advice

We offer free consultations to review your coverage options and ensure you’re maximizing your savings. Our licensed agents are experts in ACA Marketplace, Medicare, and Group Benefits.

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