CommonSpirit Health income limits
| Household size | Free care: yearly income up to 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
- Up to 200% of the federal poverty guidelines: about $66,000 a year for a family of four in 2026.The policy says: “Family Income is at or below 200% of the FPL, including, without limitation, any Uninsured or Underinsured patient, is eligible to receive Financial Assistance up to a 100% discount” (page 8)
- Discounts
- Up to 400% of the guidelines: about $132,000 a year for a family of four.The policy says: “Any patient whose Family Income is at or above 201% but lower than 400% of the FPL, including, without limitation, any Uninsured or Underinsured patient” (page 8)
- Sliding scale
- From 201% to 400%, the balance left after other payments may be reduced to no more than the amount the hospital generally bills insured patients.
- With insurance
- Underinsured patients may qualify, and help applies to the balance left after other payers. Insured patients are offered help only as far as their insurance contract allows, and must first use other payment options, including private coverage. (Policy, pages 5, 6, 8 and 9.)
- Savings and assets
- Savings or other assets may count.
How to apply for CommonSpirit Health financial assistance
- Without a full application
- Some patients may be approved without a full application.
- Time to apply
- The later of 365 days after discharge or the date of care, or 240 days after the first bill sent after care.The policy says: “(i) 365 days from the patient’s discharge from the Hospital Facility or the date of the patient’s EMCare, or (ii) 240 days from the date of the initial post-discharge bill” (page 3)
- How to apply
- Fill out the CommonSpirit Financial Assistance Application and send it to the hospital with bank or checking account statements and at least one income document, such as a tax return, W-2, pay stubs or a signed letter of support. Hospital financial counselors may help.
- Differences by state
- Oregon hospitals follow an addendum effective April 8, 2026: free care up to 200%, then up to 75% off at 201% to 300%, up to 50% off at 301% to 350% and up to 25% off at 351% to 400% (or the amount generally billed, if that gives a larger discount). California hospitals follow an addendum with free care up to 250%; the version read is dated July 1, 2022, and a newer version may exist.
- Also good to know
- The policy sentence says income of “lower than 400%”, while its heading says 201% to 400%. Outside California, help with non-emergency care may be limited to residents of the hospital’s service area.
Common questions about CommonSpirit Health financial assistance
What is the income limit for CommonSpirit Health financial assistance?
CommonSpirit Health’s policy lists free care up to 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 up to 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. CommonSpirit Health decides from its own application; only the hospital can confirm what you may get.
How do I apply for CommonSpirit Health financial assistance?
Fill out the CommonSpirit Financial Assistance Application and send it to the hospital with bank or checking account statements and at least one income document, such as a tax return, W-2, pay stubs or a signed letter of support. Hospital financial counselors may help. Time to apply: The later of 365 days after discharge or the date of care, or 240 days after the first bill sent after care.
Source
CommonSpirit Health Governance Policy, Finance G-003, Financial Assistance, July 1, 2026 (original effective date July 1, 2021). Read with AI reading tools on November 1, 2026, and checked by a second one against the same document.
We are not part of CommonSpirit Health. Policies change, and the hospital decides from its own form. If what you read here differs from the current policy, the policy counts.
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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.
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