I heard that there have been changes to Marketplace premium tax credits and other Marketplace rules. How could these changes affect me?

This FAQ was updated on January 14, 2026, to reflect the expiration of the enhanced premium tax credits.

The premium tax credit enhancements that began in 2021 expired at the end of 2025 and have not been renewed by Congress. This means that many Marketplace enrollees eligible for premium tax credits will receive less financial assistance, and the amount they have to pay in monthly premiums has increased. Other Marketplace enrollees may no longer be eligible to receive a premium tax credit at all due to the expiration of these enhancements. This tool can help you estimate how much more you will pay in premiums without the enhanced premium tax credits.

Two other changes related to premium tax credits for 2026 coverage are discussed in separate FAQs:

• For elimination of eligibility for premium tax credits for certain immigrants, click here.
• For changes that will require most enrollees to repay the full amount of any overpayment of advanced premium tax credits paid to insurers on their behalf, click here.