Federal Poverty Level (FPL)
GovernmentThe Federal Poverty Level is an income measure issued annually by the Department of Health and Human Services used to determine eligibility for various government programs including ACA premium tax credits. For 2026 coverage, 100% FPL is $15,650 for an individual and $32,150 for a family of four. ACA subsidies are available for those between 100-400% FPL (up to $62,600 individual / $128,600 family of four).
More Government Terms
ACA
Federal law expanding health insurance and creating online marketplaces where individuals shop for coverage. Provides premium tax credits and cost-sharing reductions based on income, prohibits denial for pre-existing conditions.
CHIP
Provides low-cost coverage to children in families earning too much for Medicaid but unable to afford private insurance. Some states also cover pregnant women.
Medicaid
Joint federal-state program providing free or low-cost coverage for low-income individuals, families with children, pregnant women, the elderly, and people with disabilities. Each state runs its own program within federal guidelines.
Medicare
Federal health insurance for people 65 and older, plus certain younger individuals with disabilities or specific conditions. Medicare divides into parts covering different services, and beneficiaries must actively enroll.
Medicare Part A
Covers inpatient hospital stays, skilled nursing facility care (following hospitalization), hospice care, and some home health services. Most people don't pay premiums if they worked at least 10 years, though deductibles and coinsurance for extended stays apply.
Medicare Part B
Covers doctor visits, outpatient care, preventive services, durable medical equipment, lab tests, and many vaccines. Requires a monthly premium and typically includes 20% coinsurance after meeting the annual deductible.
Understanding Your Benefits Made Easy
Use our tools to navigate Minnesota PFML and health insurance