2012 Federal Poverty Level Guidelines: 2012-2013 LIS Qualifications and Benefits

The 2012 Federal Poverty Level (FPL) Guidelines determine the income level requirements for people applying for the Low Income Subsidy (LIS) program. If your income is below 135% of the FPL ($15,079.50 if you are single or $20,425.50 for married couples), you could qualify for the full Low Income Subsidy (resource limits also apply - see charts below). Even if you don’t qualify for full LIS benefits, you could be eligible for partial LIS benefits if your income level is at or below 150% FPL (resource limits also apply - see charts below). Remember, the LIS subsidy helps to pay both your monthly plan premiums and drug costs.

Full Low-Income Subsidy Income Requirements (100% of FPL)
Persons in Family	48 Contiguous States & D.C.	Alaska	Hawaii
1	$11,170	$13,970	$12,860
2	$15,130	$18,920	$17,410
3	$19,090	$23,870	$21,960
4	$23,050	$28,820	$26,510
5	$27,010	$33,770	$31,060
6	$30,970	$38,720	$35,610
7	$34,930	$43,670	$40,160
8	$38,890	$48,620	$44,710
For each additional Person, add	$3,960	$4,950	$4,550
Federal Register Volume 77, Number 17 (Thursday, January 26, 2012), pp. 4034-4035 Resource Limits for Full-LIS

Full Low-Income Subsidy Income Requirements (135% of FPL)
Persons in Family	48 Contiguous States & D.C.	Alaska	Hawaii
1	$15,079.50	$18,859.50	$17,361.00
2	$20,425.50	$25,542.00	$23,503.50
3	$25,771.50	$32,224.50	$29,646.00
4	$31,117.50	$38,907.00	$35,788.50
5	$36,463.50	$45,589.50	$41,931.00
6	$41,809.50	$52,272.00	$48,073.50
7	$47,155.50	$58,954.50	$54,216.00
8	$52,501.50	$65,637.00	$60,358.50
Eligible for QMB/SLMB/QI, SSI or applied and income at or below 135% FPL and resources < $6,940 (individuals) or < $10,410 (couples)*** See resource and income level premium benefits in the charts below.

Partial Low-Income Subsidy Income Requirements (150% of FPL)
Persons in Family	48 Contiguous States & D.C.	Alaska	Hawaii
1	$16,755.00	$20,955.00	$19,290.00
2	$22,695.00	$28,380.00	$26,115.00
3	$28,635.00	$35,805.00	$32,940.00
4	$34,575.00	$43,230.00	$39,765.00
5	$40,515.00	$50,655.00	$46,590.00
6	$46,455.00	$58,080.00	$53,415.00
7	$52,395.00	$65,505.00	$60,240.00
8	$58,335.00	$72,930.00	$67,065.00
Applied and income below 150% FPL and resources between $6,941-$11,570 (individuals) or $10,411-$23,120 (couples)*** (category code 4). See resource and income level premium benefits in the charts below.

*** The actual amount of resources allowable may be updated for contract year 2013.

2012 Premium Subsidy Resource/Income Limits for Individuals

Individual’s Countable Resources	Individual’s Countable Income	Amount of the Premium Subsidy
$6,940 or less	At or below 135% FPL	100%
$6,940.01 to $11,570	At or below 135% FPL	100% but less help with co-pays or deductibles
$11,570 or less	More than 135% of FPL, but at or below 140%	75%
$11,570 or less	More than 140% of FPL but at or below 145%	50%
$11,570 or less	More than 145% of FPL but less than 150%	25%
$11,570.01 or more	Any amount	Not eligible for subsidy

2012 Premium Subsidy Resource/Income Limits for Married Couples

Couple’s Countable Resources	Couple’s Countable Income	Amount of the Premium Subsidy
$10,410 or less	At or below 135% FPL	100%
$10,410.01 to $23,120	At or below 135% FPL	100% but less help with co-pays or deductibles
$23,120 or less	More than 135% of FPL, but at or below 140%	75%
$23,120 or less	More than 140% of FPL, but at or below 145%	50%
$23,120 or less	More than 145% of FPL but less than 150%	25%
$23,120.01 or more	Any amount	Not eligible for subsidy

To review co-payments for both Full- and Partial-LIS, select the link below:

2012 LIS Copayment Benefits: 100% FPL 135% FPL 150% FPL
2013 LIS Copayment Benefits: 100% FPL 135% FPL 150% FPL