Income limits for 2021

How will your income effect what you pay in 2021 for health insurance?

Federal poverty levels (FPL) are used to reduce your cost of health insurance.

  • Income between 100% and 400% FPL: If your income is in this range, in all Maine or New Hampshire you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.
  • Income below 138% FPL: If your income is below 138% FPL and you line in Maine or New Hampshire, you qualify for Medicaid based only on your income.
⚠️ IMPORTANT: "Income" above refers to "modified adjusted gross income" (MAGI). For most people, it's the same or very similar to "adjusted gross income" (AGI). MAGI isn't a number on your tax return.

Federal Poverty Level (FPL) Guidelines

Below are the Federal Poverty Level (FPL) Guidelines used to determine cost assistance for 2021 health coverage on Maine’s Health Insurance Marketplace.

Please note that cost assistance for plans on Maine’s Health Insurance Marketplace is based on the federal poverty levels from the previous year, so for example 2021 coverage is based on the 2020 poverty levels. The levels below show 100% of the poverty level, the minimum to qualify for a subsidy in Maine or New Hampshire.

IMPORTANT NOTE: Medicaid in New Hampshire & MaineCare in Maine uses the current poverty level. So for 2020 Medicaid / CHIP will use the 2020 poverty level table on the right.
FPL for Maine & New Hampshire
Number of Persons in Family (Tax Household)2020 Coverage (2019 Poverty Levels)2021 Coverage (2020 Poverty Levels)
1$12,490$12,760
2$16,910$17,240
3$21,330$21,720
4$25,750$26,200
5$30,170$30,680
6$34,590$35,160
7$39,010$39,640
8$43,430$44,120
For families/households with more than 8 persons, add $4,420 for each additional person for 2020 coverage and $4,480 for 2021 coverage.

FACT: The Federal Register notice for the 2021 Poverty Guidelines was published January 17, 2020.

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