Understand the support.
ACA Premium Tax Credit is administered by the U.S. Department of Health & Human Services. Avg $100–$500/month reduction in premiums
Apply through Healthcare.gov during Open Enrollment (Nov 1 – Jan 15).
Benefits depend on your household and the program’s rules. A possible match is a starting point, not an approval.
Start with your household.
These are some of the factors the program considers. State rules and additional requirements may apply.
400% of the poverty level
A general income reference. Deductions and state rules can change the applicable limit.
Check your state’s rules
Your state guide brings together application links and local requirements.
Choose your stateSee how household size matters.
The 2026 federal poverty guidelines provide a reference point. This table is illustrative; confirm the program’s current limits with your state.
ACA Premium Tax Credit illustrative income threshold in the contiguous US: 400% of the Federal Poverty Level (FPL). Based on 2026 HHS poverty guidelines. Program effective dates, deductions and state rules may differ; confirm with the agency.
| Household Size | 2026 FPL | Annual Limit (400%) | Monthly Limit |
|---|---|---|---|
| 1 person | $15,960 | $63,840 | $5,320 |
| 2 people | $21,640 | $86,560 | $7,213 |
| 3 people | $27,320 | $109,280 | $9,107 |
| 4 people | $33,000 | $132,000 | $11,000 |
| 5 people | $38,680 | $154,720 | $12,893 |
| 6 people | $44,360 | $177,440 | $14,787 |
| 7 people | $50,040 | $200,160 | $16,680 |
| 8 people | $55,720 | $222,880 | $18,573 |
Each additional person adds approximately $5,680 to the FPL base ($22,720 at 400%).
A little preparation helps.
Your agency will confirm exactly what it needs. These documents are a useful place to start.
- Proof of income
- SSNs for household members
- Current health insurance info
You do not need to upload documents or provide your Social Security number to take our free quiz.
Your next step is closer to home.
Explore local requirements and where to apply for ACA Premium Tax Credit.
View all 51 states and districts
A few things to know.
What is ACA Premium Tax Credit?
Lowers monthly health insurance premiums through the Marketplace.
How much is ACA Premium Tax Credit worth?
$1,200 to $6,000 per year. Avg $100–$500/month reduction in premiums
What documents do I need?
You'll need: Proof of income, SSNs for household members, Current health insurance info.
How long does processing take?
1-14 days from submission.
How often do I renew?
Every 12 months.
See what may fit your household.
Answer a few questions to explore your possible matches and free application links. No account needed.
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