Who is eligible for Marketplace premium tax credits?

Premium tax credits are available to U.S. citizens and certain lawfully present immigrants who purchase coverage in the Marketplace and who have income at least as high as 100% of the federal poverty level (FPL) ($15,650 for a single adult or $32,150 for a family of four in 2026). Currently, premium tax credits are also available to lawfully residing immigrants with incomes below 100% of the FPL who are not eligible for Medicaid because of their immigration status. (Generally, immigrants must lawfully reside in the U.S. for five years before they can become eligible for Medicaid.) However, starting in 2026, these individuals will no longer be eligible for subsidized Marketplace coverage.

In addition, to be eligible for premium tax credits, individuals must not be eligible for public coverage—including Medicaid, the Children’s Health Insurance Program, Medicare, or military coverage—and must not have access to health insurance through an employer. (There is an exception in cases when the employer plan is unaffordable because the employee share of the premium exceeds 9.96% of the employee’s income in 2026. There is also an exception in cases where the employer plan doesn’t meet minimum value standard.)

If your income is below 100% of the FPL, you typically will not qualify for premium tax credits under Marketplace plans. Check with your state Marketplace to find out what other options may be available to you.