To qualify for ACA / Obamacare health coverage in Florida, your household income must fall between 100% and 400% of the Federal Poverty Level (FPL). For 2024, that means a single person must earn at least $14,580, a family of two at least $19,720, and a family of four at least $30,000 to be eligible for premium tax credits. There is no strict upper income limit — if your income exceeds 400% FPL, you may still qualify for some savings under current law. Individuals below the minimum may qualify for Medicaid instead. Income is based on your projected annual household earnings when you apply.
What Types of Income Count Toward Obamacare Eligibility?
When calculating your income for the ACA Marketplace, you must include wages, salaries, tips, net self-employment income, Social Security payments, alimony, and rental income. You generally do not include child support, gifts, or most veterans’ benefits. If your income changes during the year — for example, due to a job loss or new employment — you may qualify for a Special Enrollment Periods for ACA to update your coverage. Our bilingual agents in Kissimmee can help you estimate your income and find the right plan at no cost to you. Call us at (407) 847-7000.
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