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  • I had Marketplace coverage in 2025 and have to reconcile my taxes for this year. What’s the most I would have to repay the IRS for tax credits paid on my behalf?

    FAQs

    For the 2025 tax year, if you underestimated your income and received a larger advance premium tax credit than you were eligible for, you must repay the difference between the amount of tax credit you received and the amount you were eligible for. However, if your income is less than four times (400%) the federal poverty level, there are dollar limits on the amount you will have to repay for tax credits paid on your…

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

    FAQs

    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…

  • What happens if I want to quit a Marketplace health plan during the year?

    FAQs

    It is important that you contact both the Marketplace and the health plan and let them know you no longer need coverage. Click here for details on how to terminate Marketplace coverage if you live in a HealthCare.gov state. State-based Marketplaces may have their own process for terminating coverage. Check with your state-based Marketplace for more information if you live in one of these states. Do not simply stop paying the premium for your Marketplace health plan…

  • Which states offer additional financial assistance for Marketplace plans?

    FAQs

    Ten states currently provide eligible residents subsidies in addition to what the federal government provides for their Marketplace plans: • California • Colorado • Connecticut • Maryland • Massachusetts • New Jersey • New Mexico • New York • Vermont • Washington Check these state Marketplaces for more information. Click here for links to each state's website.

  • I received premium tax credits last year. At the end of the year though, my total income ended up being lower than the minimum income eligibility level for premium tax credits. Will I have to repay the...

    FAQs

    No, you will not be required to repay the premium tax credits paid on your behalf when you file your tax return as long as the tax credits were authorized and paid for at least one month during the year. In this situation, if the Marketplace found that your estimated income made you eligible for premium tax credits at the time you enrolled, even though your income later fell below the minimum income eligibility level…

  • What about premiums I already paid in 2021?

    FAQs

    The higher premium subsidies are in effect for the 2021 and 2022 plan years.  For premiums you already paid in 2021, before the new law passed, you can claim the increased tax credit when you file your federal income tax return.

  • Can I be charged higher premiums in the Marketplace if I smoke? Do e-cigarettes count?

    FAQs

    In most states, yes. Generally, an insurer can charge you up to 50% more if you have used tobacco products four or more times per week on average during the past 6 months. This is called a tobacco surcharge. For example, if the premium for somebody your age (before any tax credits are applied) would otherwise be $200 per month, if you are a tobacco user, your premium could be increased to $300 per month.…

  • I received a Form 1095-B in the mail. What’s that?

    FAQs

    Health insurance companies, certain employer-sponsored health plans, and public health programs such as Medicaid may provide you with documentation indicating the months during the prior year when you were covered under the plan. Coverage providers may send Form 1095-B directly to you, but in some cases, you may have to request a Form 1095-B from the coverage provider. If you were enrolled in family coverage, Form 1095-B will indicate the names of all family members who were…

  • What happens if I don’t update my application for financial assistance?

    FAQs

    If you don't update your information with the Marketplace, in most cases, the Marketplace will automatically adjust the amount of your premium tax credit for next year. If that turns out to be less than the amount you’re actually eligible for, you will have to pay more premium each month than you otherwise would have had to, although you can receive a refund for the rest when you file your federal tax return. On the…