Where can I download 2026 FPL percentage income thresholds (e.g., 138%, 400%) converted to monthly and weekly amounts?
Executive summary
You can download or compute 2026 FPL-based thresholds from a few public and advocacy sources that publish the HHS poverty guidelines and pre-calculated charts; for coverage year 2026 these tools use the 2025 poverty guidelines and note add‑on amounts per extra household member (commonly $5,380 or similar depending on the publisher) [1] [2]. Several nonprofits and state-focused sites publish downloadable PDF charts that convert annual FPL figures into monthly and weekly amounts and explain how to scale to 138% or 400% of FPL (examples in the results include a Yearly Guidelines & Thresholds PDF and California/health‑consumer charts) [1] [3] [4].
1. Where the official guideline numbers come from — and which year they use
The baseline poverty numbers are the HHS poverty guidelines; those guidelines are the authoritative starting point for FPL percentages used by Medicaid and Marketplace programs [2]. For premium tax credit eligibility for coverage in 2026, most guidance compares projected 2026 income to the 2025 poverty guidelines (i.e., prior‑year guidelines) — reporters and consumer sites make this explicit when explaining subsidy eligibility for 2026 coverage [5].
2. Ready-made downloadable charts you can grab now
Advocacy and consumer groups commonly publish ready-to-download PDFs that list 100% FPL and then show multiples (e.g., 138%, 150%, 200%, 400%) with monthly and weekly conversions. The “Yearly Guidelines & Thresholds, Updated February 2023” PDF (labelled CY2026 revision) is one such chart that includes the add‑on per additional person instruction and is available as a reference chart download [1]. Health consumer/California‑oriented groups also publish FPL income charts that explicitly give monthly and weekly breakdowns and rounding rules (e.g., monthly = annual/12; weekly conversion notes) [3] [4].
3. How conversion is done — the simple arithmetic and rounding rules
Conversion most sites use: divide the annual FPL amount by 12 for monthly and further by ~4.33 to get weekly (monthly income ≈ annual/12; monthly ≈ 4.33 × weekly is noted on consumer charts) — the Health Consumer chart documents that “Monthly income is 4.33 times weekly income” and that monthly and annual FPL levels are rounded up to the next dollar [3]. State sites like Covered California reiterate “To convert annual income to monthly, divide by 12” and provide per‑person add‑ons for larger households [4].
4. Watch for per‑person add‑ons and small discrepancies across sources
Most tables include an instruction to add a fixed dollar amount for each additional household member beyond a certain size (examples show $5,380 per extra person in one CY2026 reference chart and other publishers showing slightly different add‑on numbers depending on their chart construction) [1] [4]. Those per‑person add‑ons are present in multiple downloads but the exact figure cited can vary by publisher and version; always confirm which PDF and which “effective” year the chart says it uses [1] [4].
5. Coverage implications people usually ask about (138% and 400%)
Consumer guides and state pages explain the practical thresholds — e.g., about 138% FPL is commonly used as a Medicaid/expansion‑eligibility marker in many states, and 100–400% FPL is the canonical range for Marketplace premium tax credit eligibility in most explanations [6] [7]. Note that some commentary warns policy changes in 2026 could restore the old “subsidy cliff” and change how far premium tax credits extend above 400% FPL; this is discussed in consumer explainers and state benefit writeups [8] [7].
6. Quick action plan: where to download and how to verify
- Download the Yearly Guidelines & Thresholds CY2026 PDF referenced in search results for a ready reference [1].
- If you are in California, get the Covered California or HealthConsumer PDF which shows monthly/weekly conversions and rounding rules [4] [3].
- Cross‑check the per‑person add‑on amount and the “effective” guideline year on any PDF you use because some pages apply 2025 guidelines to 2026 coverage [5] [1].
Limitations and what’s not in these sources: the provided results do not include a single definitive government PDF from HHS listing the 2026 FPL table itself, nor do they give a single canonical downloadable file that explicitly lists the exact 138% and 400% dollar amounts for every household size for coverage year 2026 in one government link; available sources do not mention a single HHS 2026 PDF in this result set [2] [1]. Use the published advocacy and state charts linked above and verify the “guideline year” they rely on before applying numbers to eligibility or tax planning [1] [5].