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Understanding Internet and Phone Programs for Low-Income Households

Millions of Americans struggle to afford internet and phone services. The federal government and private companies offer programs that provide reduced-cost or no-cost connectivity to households that meet certain income thresholds. This guide explains how these programs work and what information you need to know before reaching out to providers.

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The primary federal program is the Lifeline program, which has been operating since 1985. Originally designed to help low-income households maintain phone service, it has expanded to include broadband internet. According to the Federal Communications Commission (FCC), approximately 21 million households are income-eligible for Lifeline benefits, but fewer than 10 million currently receive them. This gap suggests many people don't know the programs exist or how to explore their options.

Internet and phone connectivity has become essential for daily life. People need these services to search for jobs, attend school, access healthcare information, and maintain family connections. Without affordable access, households face barriers to economic mobility and educational opportunities. Understanding what programs exist can help you learn whether your household situation might align with program requirements.

Different programs have different structures. Some programs give you a discount on monthly bills. Others provide devices like smartphones or tablets. Some do both. The specific offerings depend on which provider you contact and which program they participate in. This guide walks through the main programs, what they typically offer, and how the process generally works.

Practical Takeaway: Internet and phone programs exist specifically for households with lower incomes. Knowing these programs exist is the first step toward exploring whether your situation matches program guidelines.

The Lifeline Program: How Federal Support Works

Lifeline is a federal program funded through the Universal Service Fund, which is supported by contributions from telecommunications companies. These companies pass this cost along to consumers, typically as a small line item on phone bills. The program provides monthly discounts on phone or broadband services for households that meet income requirements or participate in certain assistance programs.

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Income limits for Lifeline vary by state and household size. Generally, to be considered for Lifeline, a household's income should be at or below 135% of the federal poverty line. For context, in 2024, the poverty line for a single person is about $14,600 annually, and for a family of four, it's about $30,000. However, you don't need to calculate this yourself—providers can help you understand if your situation might qualify based on information you provide.

Lifeline offers different types of support depending on your situation and the provider:

• Phone-only support: A discount on monthly wireless or landline phone service, typically reducing bills by $9.25 to $16 per month
• Broadband-only support: A discount on monthly internet service from participating providers
• Combined support: Some providers offer both phone and internet discounts through separate Lifeline benefits
• Device support: Some providers include a discounted or free smartphone or tablet with service

The amount of discount can vary. The federal contribution is typically $9.25 monthly, but some states add additional funds, and some providers offer discounts beyond the federal amount. This means the actual discount you receive depends on your state and the specific provider you work with.

To explore Lifeline options, you can contact providers directly or use the National Lifeline Accountability Database maintained by the FCC, which lists participating companies by state. You can search this database online by entering your state and area code to see which providers in your region participate in Lifeline.

Practical Takeaway: Lifeline offers monthly discounts of roughly $9 to $16 on phone or internet bills. Learning your state's income threshold and which providers serve your area is the next step in exploring this program.

Other Federal and State Programs Providing Connectivity Support

Beyond Lifeline, several other programs address internet and phone access. The Emergency Broadband Benefit (EBB) program, launched during the pandemic, provided temporary broadband discounts and device support. While the federal EBB ended in 2024, some states have created their own broadband programs using state funding or other federal resources. Checking your state's broadband office website can reveal what programs may currently be operating in your area.

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The Affordable Connectivity Program (ACP) was another federal initiative offering up to $30 monthly broadband discounts and discounted devices. The ACP formally ended in 2024, but it served as an example of how federal programs can expand connectivity. Some internet providers have created their own low-cost broadband programs for lower-income customers independent of federal funding. These private programs vary widely in what they offer and who they serve.

State programs also make a difference. For example, some states have partnered with broadband providers to create affordable plans specifically designed for low-income households. Other states have established digital inclusion initiatives that provide both connectivity support and digital skills training. The specific programs available depend entirely on which state you live in.

Additionally, many local community organizations, libraries, and nonprofit groups offer free or low-cost internet access as a community service. Public libraries across the country provide free wifi and computer access. Some libraries loan out mobile hotspots so people can have internet at home. Community centers sometimes offer free phone services or help people understand their options. These local resources often have staff who know about federal and state programs and can provide information about what might be relevant for your situation.

School districts have also expanded connectivity programs, particularly following the pandemic. Many districts offer free or low-cost internet service to students and families, recognizing that connectivity affects academic success. If you have school-age children, contacting your school district can reveal what programs they might offer.

Practical Takeaway: Multiple programs exist at federal, state, and local levels. Checking with your state broadband office, contacting local libraries and community centers, and asking your school district about programs can reveal specific options in your area.

How Provider Plans Work and What to Expect

Internet service providers (ISPs) and phone companies that participate in Lifeline or other programs have their own structures for how they manage discounts and service. Understanding how these generally work can help you know what to expect when you reach out to a provider.

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When you contact a provider about program options, they typically have a simple process. You would share information about your household income or mention that you participate in a qualifying assistance program like SNAP, Medicaid, or Supplemental Security Income (SSI). The provider uses this information to determine whether your situation fits the program guidelines. They don't make a government determination—they're simply matching what you tell them against program requirements.

If your situation appears to align with program guidelines, the provider explains what plans and discounts they offer. This is where options vary. Some providers offer one plan at a discounted rate. Others let you choose among multiple plans, each with different speeds and data limits. Some include free or heavily discounted devices. The specific options depend on the provider and your location.

Once you select a plan, service typically begins within a few days to a couple of weeks. You would set up billing (either through bank account deduction or bill payment) and then receive your service. For internet, this might involve a technician visiting to install equipment, or it might simply mean they mail you a device. For phone service, they typically mail you a device or SIM card.

An important point: participation in these programs is voluntary. Providers can't force you to participate, and you retain the right to decline. However, if you meet the criteria and a provider offers the service, they can only serve one household per line, so if you're already receiving service from another program, you may need to choose which one to use.

Providers must recertify participants periodically—usually annually. This means you may need to confirm your information periodically to keep receiving the discount. The provider contacts you about this process, so you don't need to remember dates on your own.

Practical Takeaway: Providers handle the practical details of enrollment. Once you contact them with basic household information, they can explain what options they offer and how service would be set up.

Gathering Information Before You Reach Out to Providers

Preparing some basic information before contacting a provider makes the conversation more efficient. You don't need extensive documentation immediately—most of that comes later if you move forward—but having key information in mind helps you understand whether a program might

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