Obamacare Income Limits in Florida: Do You Qualify for Help?

In Florida, Marketplace premium tax credits generally go to households with expected income between 100% and 400% of the federal poverty level. For coverage in the coming plan year that is about $15,960 to $63,840 for one person and $33,000 to $132,000 for a family of four. Extra savings on Silver plans go up to 250%. Your exact help depends on your income, household, age and ZIP code.

Florida Obamacare income ranges by household size

Yearly household income. Based on the HHS poverty guidelines published in 2026 for the 48 contiguous states and DC, which the Marketplace uses for coverage that starts in 2027. We update this table each Open Enrollment.

Bigger household, or want every percentage? See our full federal poverty level chart.

How to read the table

• 100% to 150%: the lowest required contribution toward a benchmark Silver plan, and the biggest Silver extra savings.
• 150% to 250%: tax credits plus some Silver extra savings (lower deductibles and copays). See cost-sharing reductions.
• 250% to 400%: tax credits only. You can use them on any metal level.
• Over 400%: generally no tax credit. You can still enroll at full price, and every Bronze plan can now be paired with a Health Savings Account.

How the credit itself is calculated: how Marketplace tax credits work in Florida and how much Obamacare costs in Florida.

Below 100%: Florida’s coverage gap

Florida did not expand Medicaid. Many adults without children who earn less than 100% of the poverty level don’t qualify for Florida Medicaid and also can’t get Marketplace tax credits. Some groups have more options: children (through Florida Medicaid and Florida KidCare), pregnant women, parents with very low income, and some people with disabilities or Medicare. The Department of Children and Families (DCF) decides Medicaid eligibility through MyACCESS. We help you fill out that application for free, but we are not DCF. Read more: Florida’s Medicaid coverage gap and MyACCESS help.

Lawfully present immigrants with income under 100% used to be able to get tax credits when their status kept them out of Medicaid. That rule has ended, so check your situation with us before you apply.

What counts as income

• Start with adjusted gross income from your federal tax return.
• Add untaxed Social Security (including SSDI), tax-exempt interest and excluded foreign income.
• Don’t count SSI, child support you receive, gifts or most loans.
• Include a dependent’s income only if they have to file a tax return.
• Your household is your tax household: you, your spouse if you file jointly, and the dependents you claim.

Self-employed, 1099 or gig work? Use your expected net self-employment income (after business expenses). Examples: ACA Open Enrollment for the self-employed and how gig workers estimate income.

When your income changes

Your savings are based on what you expect to earn next year, not last year. If your income goes up, report it right away: extra tax credit is repaid at tax time, and there is no longer a cap on that repayment. If it goes down, you may qualify for more. How to report: Marketplace income changes in Florida.

Immigration status and savings

Starting with coverage that begins January 1 of the coming plan year, only citizens and nationals, green card holders (lawful permanent residents), Cuban/Haitian entrants and COFA migrants can get tax credits and Silver extra savings. Many other lawfully present immigrants can still buy a Marketplace plan but may pay full price. Bring your documents and we’ll review them with you. En español: documentos para el Obamacare en Florida.

Open Enrollment dates

Florida uses HealthCare.gov. Open Enrollment runs November 1 to January 15; enroll by December 15 for coverage that starts January 1. Outside those dates you need a Special Enrollment Period. More on dates: Florida Open Enrollment help. Overview: Obamacare in Florida.

Obamacare income limits in Florida: FAQ