Will I Get an ACA Tax Credit in 2027? Quick Check

By Coverage Decider · · Updated

You can get the 2027 premium tax credit if your household income is 100% to 400% of the poverty line, you buy a Marketplace plan, and you can't get Medicaid or affordable job coverage. Above 400%, $63,840 for one person or $132,000 for four, there's no credit in 2027.

Will you get a tax credit in 2027?

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Who can get the premium tax credit in 2027?

Frequently asked questions

What if my income is just over 400% of the poverty line?

There's no tax credit above 400% in 2027, so you pay the full premium. Contributing to a traditional IRA or an HSA lowers the income the Marketplace counts, which can bring you back under the line.

Does a job offer of health insurance stop the tax credit?

It does if the cheapest plan for the employee alone costs 10.22% of household income or less in 2027 and meets minimum value. Family members are judged on what covering the family costs.

How much is the tax credit in dollars?

The credit is the benchmark silver plan's price where you live minus the amount you're expected to pay. Coverage Decider's calculator works it out from your ZIP code once 2027 prices are posted.

References

ACA glossary · All resources