Trinity 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: “Uninsured Patients whose Family Income is at or below 200% of the Federal Poverty Level (FPL) will be eligible for a 100% discount on the charges for services received.” (page 2)
- Discounts
- Up to 400% of the guidelines: about $132,000 a year for a family of four.The policy says: “above 200% of the FPL and does not exceed 400% of the FPL (or the higher % required by state law, if applicable) will be eligible for a discount” (page 2)
- Sliding scale
- Uninsured patients above 200% up to 400% may be charged no more than the amount generally billed; the policy gives no percentage scale. Insured patients at or below 400% may get help with co-pays, deductibles and co-insurance.
- With insurance
- Patients with insurance from an insurer the hospital contracts with, and income up to 400% of the guidelines, may get help with copays, deductibles and coinsurance, unless the insurer’s contract prevents it. (Policy, page 2.)
- Large bills
- An insured patient whose medical expenses for an episode of care are more than 20% of family income (or the lower percentage in state law) may get the excess covered as financial assistance on co-pays, co-insurance and deductibles.
How to apply for Trinity Health financial assistance
- Without a full application
- Some patients may be approved without a full application.
- Time to apply
- From the day care is provided until the later of 240 days after that date, 30 days after an automatic or earlier approval that gave less than the most help, or the deadline in a written notice from the hospital.The policy says: “Application Period begins the day that care is provided and ends the later of 240 days after that date” (page 7)
- How to apply
- Get the application from Admissions, the Emergency Department or a financial counselor, download it from the hospital’s website, or ask for it by mail or phone. Uninsured patients need only one income document, such as a tax return, W-2 or 1099, two pay stubs or an employer letter, and some patients may be approved without applying.
- Differences by state
- The policy says higher discounts or lower hardship thresholds required by state law apply, without naming states. Each hospital posts its own copy, and some add state pages (the Saint Alphonsus copy attaches an Oregon table), so open the copy for your hospital.
- Also good to know
- The states listed are only those of the hospital copies read; Trinity Health says it serves 23 states but does not name them. The main copy read is the one posted by Loyola Medicine in Illinois, which includes some Illinois-only text, because Trinity Health does not post a master copy on its own site.
Common questions about Trinity Health financial assistance
What is the income limit for Trinity Health financial assistance?
Trinity 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. Trinity Health decides from its own application; only the hospital can confirm what you may get.
How do I apply for Trinity Health financial assistance?
Get the application from Admissions, the Emergency Department or a financial counselor, download it from the hospital’s website, or ask for it by mail or phone. Uninsured patients need only one income document, such as a tax return, W-2 or 1099, two pay stubs or an employer letter, and some patients may be approved without applying. Time to apply: From the day care is provided until the later of 240 days after that date, 30 days after an automatic or earlier approval that gave less than the most help, or the deadline in a written notice from the hospital.
Source
Trinity Health Finance Policy No. 1, Financial Assistance to Patients, February 20, 2024 (review by March 1, 2027). Read with AI reading tools on November 1, 2026, and checked by a second one against the same document.
We are not part of Trinity 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 Idaho? Find your hospital by name or town (47 Idaho hospitals).
In Illinois? Find your hospital by name or town (188 Illinois hospitals).
In Iowa? Find your hospital by name or town (115 Iowa hospitals).
In Oregon? Find your hospital by name or town (60 Oregon 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.