Banner Health income limits
| Household size | Free care: yearly income under 200% | Discounts: yearly income up to 400% |
|---|---|---|
| 1 person | $31,920 | $63,840 |
| 2 people | $43,280 | $86,560 |
| 3 people | $54,640 | $109,280 |
| 4 people | $66,000 | $132,000 |
| 5 people | $77,360 | $154,720 |
| 6 people | $88,720 | $177,440 |
- Free care
- Under 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.The policy says: “< 200% of FPL 100% discount off AGB 100% discount off BAI” (page 4)
- Discounts
- Up to 400% of the guidelines: about $132,000 a year for a family of four.The policy says: “their household income is 400% of the FPL or less” (page 4)
- Sliding scale
- Outside Colorado: under 200% gets 100% off, 200% to 300% gets 75% off, and over 300% to 400% gets 50% off the amount generally billed (uninsured patients) or the balance after insurance (underinsured patients).
- With insurance
- Underinsured patients may get 50% to 100% off the balance after insurance, such as deductibles and copays, at incomes up to 400% of the guidelines. Care that is out of network, or claims the insurer denied, is first billed at the self-pay rate. (Policy, pages 2 to 5 and 8.)
- Large bills
- A household whose share of medical expenses over the previous 12 months, from any provider, is above 50% of its income may qualify for 75% off the remaining balance, including above 400%.
How to apply for Banner Health financial assistance
- Without a full application
- Some patients may be approved without a full application.
- Time to apply
- The policy states no deadline in days. Apply as soon as you can.
- How to apply
- Get the application in person at a Banner hospital or from the Banner Health website, or ask to have it mailed, then bring it to the hospital, mail it to the address on the form or submit it as the website says. Show proof of income, such as a tax return, three recent pay stubs or three recent bank statements.
- Differences by state
- Colorado hospitals follow a different scale under a state law: free care up to 250%, 75% off at 251% to 300% and 50% off at 301% to 400%. Banner Lassen Medical Center in Susanville, California is not covered by this policy and has its own.
- Also good to know
- The policy says a patient who enrolls in Medicaid within 12 months after care may get a 100% write-off. The policy’s own next review date, January 1, 2026, has passed, so a newer version may exist.
Common questions about Banner Health financial assistance
What is the income limit for Banner Health financial assistance?
Banner Health’s policy lists free care under 200% of the federal poverty guidelines and discounts up to 400%. With the 2026 guidelines for the 48 states and Washington, DC, that is for free care, a yearly income under about $31,920 for one person and $66,000 for a family of four; for discounts, a yearly income up to about $63,840 for one person and $132,000 for a family of four. The policy has differences by state or hospital, so check it for your hospital. Banner Health decides from its own application; only the hospital can confirm what you may get.
How do I apply for Banner Health financial assistance?
Get the application in person at a Banner hospital or from the Banner Health website, or ask to have it mailed, then bring it to the hospital, mail it to the address on the form or submit it as the website says. Show proof of income, such as a tax return, three recent pay stubs or three recent bank statements. The policy states no deadline in days. Apply as soon as you can.
Source
Banner Health Financial Assistance Policy for Hospital Patients (Policy 770, Version 6), Effective 07/01/2025 (next review date 01/01/2026). Read with AI reading tools on November 1, 2026, and checked by a second one against the same document.
We are not part of Banner Health. Policies change, and the hospital decides from its own form. If what you read here differs from the current policy, the policy counts.
Ask in writing
The free financial assistance letter asks the hospital for its policy, the application and the plain language summary. Already paid? How applying after you have already paid works. Compare other systems on the hospital list.
Have insurance? See what 38 policies say about patients with insurance.
In Arizona? Find your hospital by name or town (95 Arizona hospitals).
In Colorado? Find your hospital by name or town (93 Colorado hospitals).
In Nebraska? Find your hospital by name or town (91 Nebraska hospitals).
In Nevada? Find your hospital by name or town (43 Nevada hospitals).
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Check the bill itself
Financial assistance may lower what you owe, but it does not look at the charges. Open your bill in MedBillCheckup: it is read on your device, never uploaded, and the free check shows how many things are worth asking the billing office about, and names the first. The full list, with the exact questions to ask, is $6.99 for one bill, or included with Pro at $9.99 a month.
Check my bill, freeMedBillCheckup provides informational assistance only. It does not determine whether a charge is medically necessary, fraudulent, illegal, or definitively incorrect, and it is not a substitute for advice from a lawyer, doctor, insurer, or certified medical billing specialist.