/
Internal Revenue Service / HealthCare.gov
Enrollment Period
Open enrollment
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.
Answer each question — we'll show you exactly what applies to your situation.
Do you purchase health insurance through the ACA Marketplace?
Do you not be eligible for affordable employer-sponsored coverage or government health programs?
What is your household income?
This program requires income at or below 400% of the Federal Poverty Level — that's the government's measure of what it costs to meet basic needs. Select your household size to see your exact dollar limit.
Count everyone who lives and eats with you — yourself, spouse/partner, children, and any dependents. Count a pregnant woman as 2.
Are you a US citizen or qualifying non-citizen?
Do you file a federal income tax return for the year the credit is claimed?