Henry Ford Health income limits
| Household size | Free care: yearly income up to 250% | Discounts: yearly income up to 400% |
|---|---|---|
| 1 person | $39,900 | $63,840 |
| 2 people | $54,100 | $86,560 |
| 3 people | $68,300 | $109,280 |
| 4 people | $82,500 | $132,000 |
| 5 people | $96,700 | $154,720 |
| 6 people | $110,900 | $177,440 |
- Free care
- Up to 250% of the federal poverty guidelines: about $82,500 a year for a family of four in 2026.The policy says: “If a patient has an annual income less than or equal to 250% of the federal poverty level, the patient may be eligible for a 100% discount.” (page 2)
- Discounts
- Up to 400% of the guidelines: about $132,000 a year for a family of four.The policy says: “If a patient has an annual income from 251% to 400% of the federal poverty level, the patient may qualify for a partial discount.” (page 2)
- Sliding scale
- Uninsured, 251% to 300%: pay 30% of the Medicare rate; 301% to 350%: 61%; 351% to 400%: 91%. Insured, 251% to 300%: 75% off the balance; 301% to 350%: 50% off; 351% to 400%: 25% off.
- With insurance
- Copays, deductibles and coinsurance may be discounted 25% to 100% at incomes up to 400% of the guidelines, for residents of its service area with assets under $100,000. Medicaid may have to be applied for first. (Policy, pages 2 to 4.)
- Savings and assets
- Savings or other assets may count.
- Large bills
- A catastrophic rule: if out-of-pocket medical costs over 12 months at a Henry Ford facility exceed 30% of gross annual household income, the outstanding debt may be adjusted to 30% of household income.
How to apply for Henry Ford Health financial assistance
- Without a full application
- Some patients may be approved without a full application.
- Time to apply
- Up to 240 days after the first bill is sentThe policy says: “Patients and/or Guarantor may apply for financial assistance at any time up to 240 days after HFH provides the initial billing” (page 4)
- How to apply
- Complete the Patient Financial Assistance application from the Henry Ford website, or ask a Henry Ford facility to mail a paper copy. Mail or fax it with income documents to the Henry Ford Corporate Business Office. A decision is made within 30 calendar days of a complete application.
- Differences by state
- This policy lists Jackson, Henry Ford Hospital in Detroit, Macomb, West Bloomfield, Wyandotte, Brownstown, Kingswood and Maplegrove, and asks for residence in Wayne, Macomb, Oakland or Jackson counties or within five miles of the facility.
- Also good to know
- This policy says a patient may not be eligible if household qualifying assets are $100,000 or more, whatever the income. Applicants may be asked to apply for Medicaid first.
Common questions about Henry Ford Health financial assistance
What is the income limit for Henry Ford Health financial assistance?
Henry Ford Health’s policy lists free care up to 250% 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 $39,900 for one person and $82,500 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. Henry Ford Health decides from its own application; only the hospital can confirm what you may get.
How do I apply for Henry Ford Health financial assistance?
Complete the Patient Financial Assistance application from the Henry Ford website, or ask a Henry Ford facility to mail a paper copy. Mail or fax it with income documents to the Henry Ford Corporate Business Office. A decision is made within 30 calendar days of a complete application. Time to apply: Up to 240 days after the first bill is sent.
Source
HFH Patient Financial Assistance Policy. Read with AI reading tools on November 6, 2026, and checked by a second one against the same document.
We are not part of Henry Ford 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.
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