Final 2026 Open Enrollment Report: Household Income (> 400% FPL)

Finally, there's nearly 1.1 million exchange enrollees who earn more than 400% FPL...although this total is actually closer to 2.15 million if you include enrollees whose household income is either "other" or "unknown:" Why is income data not available for all consumers? The application only collects household income data when consumers are requesting financial assistance. Consumers that do not request financial assistance do not enter their household income information and are classified as having an “Other/Unknown FPL.” There are a few SBEs that classify consumers who enter their household income information but are determined not eligible for financial assistance as “Other/Unknown FPL”. As a result, some SBEs report zero plan selections in certain income categories. Please refer to the Public Use Files Definitions document for additional information on these data. There are also a small number of consumers who requested financial assistance but may have missing incomes. For HealthCare.gov states, consumers may have missing incomes due to data anomalies or a tax filing status that makes them APTC-ineligible (e.g., married filing separately).