ACA Premium Tax Credit
Lowers monthly health insurance premiums through the Marketplace.
Overview
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).
Eligibility Requirements
Income Limit
Below 400% FPL
2026 Income Limits
Federal baseline. Some states have higher limits.
ACA Premium Tax Credit income limit in the contiguous US: 400% of the Federal Poverty Level (FPL). Based on 2026 HHS poverty guidelines.
| Household Size | 2026 FPL | Annual Limit (400%) | Monthly Limit |
|---|---|---|---|
| 1 person | $15,060 | $60,240 | $5,020 |
| 2 people | $20,440 | $81,760 | $6,813 |
| 3 people | $25,820 | $103,280 | $8,607 |
| 4 people | $31,200 | $124,800 | $10,400 |
| 5 people | $36,580 | $146,320 | $12,193 |
| 6 people | $41,960 | $167,840 | $13,987 |
| 7 people | $47,340 | $189,360 | $15,780 |
| 8 people | $52,720 | $210,880 | $17,573 |
Each additional person adds approximately $5,380 to the FPL base ($21,520 at 400%).
Required Documents
ACA Premium Tax Credit by State
Income limits and rules vary by state. Find yours.
View all 51 states
Frequently Asked Questions
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.