Find out if you qualify for marketplace subsidies and how much you could knock off your monthly premium.
How ACA Subsidies Work
Premium tax credits reduce your monthly health insurance payment. The subsidy amount is based on your household income relative to the federal poverty level (FPL). The lower your income, the larger the subsidy.
What income qualifies for ACA subsidies?
For 2025, subsidies are available for incomes between 100% and 400% of the federal poverty level. However, the American Rescue Plan extended enhanced subsidies to those above 400% FPL โ you may qualify even at higher incomes if premiums would exceed 8.5% of your income.
Do I have to pay back my subsidy?
If you receive more subsidy than you are entitled to (because your actual income was higher than estimated), you may have to repay some or all of it when you file your taxes. If your income was lower, you may receive the difference as a tax refund. Report income changes to the marketplace promptly.