Help Paying Marketplace Premiums: The Basics

Do I have to file a federal income tax return to get a premium tax credit? My income is so low I’m not required to file a tax return.

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Yes. Even if you don’t earn enough to owe taxes, if you receive a premium tax credit in a year, you must file a federal income tax return for that year. Starting next year, if you do not file a Federal income tax return and reconcile your past premium tax credits for two consecutive years, then you might not be able to receive premium tax credits in the future.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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