2026 FEDERAL POVERTY GUIDELINES
It’s time again to revisit what your best options are for insurance. You can start here with the 2026 Federal Poverty Guidelines – it may be more affordable than you realize.
138% – 250% SoonerCare ends here -> Cost-Sharing Reductions (CSR Silver plans) available in this range
250% – 400% Premium Tax Credits only (no CSR) – still significant savings
400%+ Above the tax credit limit – full-price Marketplace or off-exchange plans
| % FPL | 1 Person | 2 People | 3 People | 4 People | 5 People | 6 People | 7 People | 8 People |
|---|---|---|---|---|---|---|---|---|
| 138% | $22,025 | $29,863 | $37,702 | $45,540 | $53,378 | $61,217 | $69,055 | $76,894 |
| 150% | $23,940 | $32,460 | $40,980 | $49,500 | $58,020 | $66,540 | $75,060 | $83,580 |
| 200% | $31,920 | $43,280 | $54,640 | $66,000 | $77,360 | $88,720 | $100,080 | $111,440 |
| 250% | $39,900 | $54,100 | $68,300 | $82,500 | $96,700 | $110,900 | $125,100 | $139,300 |
| 300% | $47,880 | $64,920 | $81,960 | $99,000 | $116,040 | $133,080 | $150,120 | $167,160 |
| 400% | $63,840 | $86,560 | $109,280 | $132,000 | $154,720 | $177,440 | $200,160 | $222,880 |
*138% FPL is the SoonerCare (Oklahoma Medicaid) eligibility line for adults under 65. Anyone below 138% FPL should apply for SoonerCare at mysoonercare.org rather than the ACA Marketplace.
*For ACA Marketplace premium tax credits and cost-sharing reductions, the 2025 FPL figures apply to the 2026 coverage by federal law. Dollar amounts shown are based on 2026 FPL for reference.
*For households larger than 8, add $5,680 per additional person to the 100% FPL.
At Insure It Forward, we offer different ways to help you find the right health insurance for your situation. You’re welcome to use our self-service and automated tools if you prefer to explore your options on your own. These features are great for quickly getting a sense of which plans and subsidies might fit your budget, especially with the latest 2026 Federal Poverty Guidelines in mind.
But when it comes to insurance, there are a lot of details and choices to consider. That’s why we always recommend reaching out to us directly for a more personal touch. Our team has years of experience helping Oklahomans understand their eligibility for programs like Medicaid and premium tax credits, which are often based on the Federal Poverty Guidelines. We can walk you through the details, answer your questions in plain language, and help you feel confident in your decisions. There’s no charge for our help, and you might be surprised at the difference it makes.
If you’d like to talk through your options or need help figuring out what the 2026 Federal Poverty Guidelines mean for your family, just give us a call, click HERE to schedule an appointment, or send a text to start the conversation. At Insure It Forward, we’re here to make the insurance process easier and help you get the most out of what’s available this year.