See details for your state

Internal Revenue Service / HealthCare.gov

ACA Premium Tax Credits

BenefitHealthcareRecurringRolling

What it may cover

Varies

Enrollment

Open enrollment

Where available

Check locally

What you get

ACA Premium Tax Credits (also called Premium Tax Credits or PTCs) help low- and middle-income individuals and families afford health insurance purchased through the ACA Marketplace by reducing monthly premium costs. The credit amount is based on household income relative to the Federal Poverty Level — households earning between 100% and 400% of FPL are eligible, and under enhanced provisions through 2025, higher-income households may also qualify. Credits can be applied in advance to reduce monthly premiums or claimed as a lump sum when filing taxes.

Help paying for healthcare, prescriptions, coverage, or care services through a public program or approved provider.

Have insurance cards, medical bills, and income documents ready before you call.

Do you qualify?

Check what applies to you. Your answers are saved on this device so you can come back later.

0/5 confirmed

Do you purchase health insurance through the ACA Marketplace?
Do you be eligible for affordable employer-sponsored coverage or government health programs?
Household income generally between 100% and 400% of the Federal Poverty Level (enhanced subsidies through 2025 may extend higher)
This program requires income at or below 400% of the Federal Poverty Level. Select your household size to see your exact dollar limit.
How many people are in your household?
Count everyone who lives and eats with you — yourself, partner, children, and dependents.
Are you a U.S. citizen, national, or lawfully present non-citizen?
Do you file a federal income tax return for the year the credit is claimed?

What to bring

If you do not have one of these, apply anyway and ask what substitutes are accepted.

1Application through HealthCare.gov or your state's Marketplace
2Social Security numbers for all household members
3Proof of household income (pay stubs, most recent tax return)
4Proof of citizenship or immigration status
5IRS Form 8962 (Premium Tax Credit) filed with annual tax return

How to apply

Processing time varies by location and program funding.

1Find the right local officeUse your ZIP code to confirm the local health or benefits office that handles ACA Premium Tax Credits.
2Apply online, by phone, or in personUse the official application path and keep a copy of anything you submit.
3Complete the interview or verificationMany benefits require a short call, appointment, or document check.
4Watch for a decisionKeep mail, email, and phone open so you do not miss follow-up requests.

Find local help

Your ZIP helps you confirm the right local office and state-specific rules.

You may also qualify for

Other programs in the same category that often go hand-in-hand.

Centers for Medicare & Medicaid Services

CHIP — Children's Health Insurance Program

Social Security Administration / Centers for Medicare & Medicaid Services

Extra Help — Medicare Part D Low Income Subsidy

Health Resources and Services Administration, U.S. Department of Health and Human Services

Federally Qualified Health Centers

See details for your state

Internal Revenue Service / HealthCare.gov

ACA Premium Tax Credits

BenefitHealthcareRecurringRolling

What it may cover

Varies

Enrollment

Open enrollment

Where available

Check locally

What you get

Help paying for healthcare, prescriptions, coverage, or care services through a public program or approved provider.

Have insurance cards, medical bills, and income documents ready before you call.

Do you qualify?

Check what applies to you. Your answers are saved on this device so you can come back later.

0/5 confirmed

Do you purchase health insurance through the ACA Marketplace?
Do you be eligible for affordable employer-sponsored coverage or government health programs?
Household income generally between 100% and 400% of the Federal Poverty Level (enhanced subsidies through 2025 may extend higher)
This program requires income at or below 400% of the Federal Poverty Level. Select your household size to see your exact dollar limit.
How many people are in your household?
Count everyone who lives and eats with you — yourself, partner, children, and dependents.
Are you a U.S. citizen, national, or lawfully present non-citizen?
Do you file a federal income tax return for the year the credit is claimed?

What to bring

If you do not have one of these, apply anyway and ask what substitutes are accepted.

1Application through HealthCare.gov or your state's Marketplace
2Social Security numbers for all household members
3Proof of household income (pay stubs, most recent tax return)
4Proof of citizenship or immigration status
5IRS Form 8962 (Premium Tax Credit) filed with annual tax return

How to apply

Processing time varies by location and program funding.

1Find the right local officeUse your ZIP code to confirm the local health or benefits office that handles ACA Premium Tax Credits.
2Apply online, by phone, or in personUse the official application path and keep a copy of anything you submit.
3Complete the interview or verificationMany benefits require a short call, appointment, or document check.
4Watch for a decisionKeep mail, email, and phone open so you do not miss follow-up requests.

Find local help

Your ZIP helps you confirm the right local office and state-specific rules.

You may also qualify for

Other programs in the same category that often go hand-in-hand.

Centers for Medicare & Medicaid Services

CHIP — Children's Health Insurance Program

Social Security Administration / Centers for Medicare & Medicaid Services

Extra Help — Medicare Part D Low Income Subsidy

Health Resources and Services Administration, U.S. Department of Health and Human Services

Federally Qualified Health Centers