Baylor Scott & White Health income limits
| Household size | Free care: yearly income up to 200% | Discounts: yearly income up to 500% |
|---|---|---|
| 1 person | $31,920 | $79,800 |
| 2 people | $43,280 | $108,200 |
| 3 people | $54,640 | $136,600 |
| 4 people | $66,000 | $165,000 |
| 5 people | $77,360 | $193,400 |
| 6 people | $88,720 | $221,800 |
- Free care
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.The policy says: “Generally, qualifying patients with family income at or below 200% of the Federal Poverty Guidelines (FPG) will receive a 100% discount.” (page 1 (plain language summary))
- Discounts
- Up to 500% of the guidelines: about $165,000 a year for a family of four.The policy says: “whose Yearly Household Income is greater than 200% but less than or equal to 500% of the FPG” (page 3)
- Sliding scale
- Up to 200%: 100% off the balance. Over 200% and up to 500%: only if the patient’s bills from Baylor Scott & White providers, after all other payments, are 5% or more of yearly household income, and then the patient may owe the lesser of the account balance or 10% of gross charges, not above the amount generally billed.
- With insurance
- The policy does not name patients with insurance. Its discounts apply to the balance after all third parties pay, and a patient must first use other payment options, including private coverage, or help may be denied. (Policy, pages 2, 4 and 5.)
- Large bills
- This is the tier for income over 200% and up to 500% when bills after other payments are 5% or more of yearly household income. A Financial Assistance Committee may also review patients who do not meet the guidelines but have unusual mitigating factors.
How to apply for Baylor Scott & White Health financial assistance
- Without a full application
- Some patients may be approved without a full application.
- Time to apply
- From when the service is scheduled or provided, through the 365th day after the first bill sent after care.The policy says: “from the date a patient is scheduled for service or the service is rendered, whichever is earlier, through the 365th day after the first billing statement is provided” (page 2)
- How to apply
- Ask in person at the facility, apply online at bswhealth.com/financialassistance, call customer service, or mail the application to the address on the form. Baylor Scott & White can also start an application for you, and income is checked with documents such as pay stubs, a W-2, a tax return or bank statements.
- Also good to know
- For non-emergency care, help is limited to residents of the service area counties listed in the policy; emergency care and accepted transfers are covered for everyone. Non-hospital facilities use a separate policy that was not read.
Common questions about Baylor Scott & White Health financial assistance
What is the income limit for Baylor Scott & White Health financial assistance?
Baylor Scott & White Health’s policy lists free care up to 200% of the federal poverty guidelines and discounts up to 500%. With the 2026 guidelines for the 48 states and Washington, DC, that is for free care, a yearly income up to about $31,920 for one person and $66,000 for a family of four; for discounts, a yearly income up to about $79,800 for one person and $165,000 for a family of four. Baylor Scott & White Health decides from its own application; only the hospital can confirm what you may get.
How do I apply for Baylor Scott & White Health financial assistance?
Ask in person at the facility, apply online at bswhealth.com/financialassistance, call customer service, or mail the application to the address on the form. Baylor Scott & White can also start an application for you, and income is checked with documents such as pay stubs, a W-2, a tax return or bank statements. Time to apply: From when the service is scheduled or provided, through the 365th day after the first bill sent after care.
Source
Financial Assistance (Hospital Facilities), Document Number BSWH.FIN.RC.BA.36.P, Effective 01/01/2025 (discount guidelines effective 02/01/2026). Read with AI reading tools on November 1, 2026, and checked by a second one against the same document. There is also a plain language summary.
We are not part of Baylor Scott & White 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.
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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.