Estimate your Marketplace premium tax credit for 2027 or 2026.
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How the credit works
- Your income is compared with the federal poverty level for your household size.
- The IRS table sets how much of your income you’re expected to pay towards the benchmark silver plan.
- The credit covers the rest of the benchmark premium. You can use it on any plan.
Expected contribution, 2026 and 2027
| Income (% of poverty level) | 2026 | 2027 |
|---|---|---|
| Under 133% | 2.10% | 2.15% |
| 133% to under 150% | 3.14% to 4.19% | 3.23% to 4.30% |
| 150% to under 200% | 4.19% to 6.60% | 4.30% to 6.78% |
| 200% to under 250% | 6.60% to 8.44% | 6.78% to 8.66% |
| 250% to under 300% | 8.44% to 9.96% | 8.66% to 10.22% |
| 300% to 400% | 9.96% | 10.22% |
| Over 400% | No credit | No credit |
The enhanced credits that removed the 400% limit expired at the end of 2025 and haven’t been renewed as of November 2026, so the original limits apply. For 2027 coverage, the poverty levels come from the 2026 HHS guidelines: $15,960 for one person in the 48 contiguous states and DC, plus $5,680 for each extra person.
Finding your benchmark premium
The benchmark is the second-lowest-cost silver plan for your household where you live. HealthCare.gov or your state marketplace shows it when you preview plans.
Frequently asked questions
What income should I use?
Your expected modified adjusted gross income (MAGI) for the coverage year: usually your adjusted gross income plus any untaxed foreign income, tax-exempt interest and non-taxable Social Security.
What if my income changes?
Update your marketplace application. If you take more advance credit than you’re due, you repay the difference when you file your tax return.
Is this official?
No. It’s an estimate. HealthCare.gov or your state marketplace gives the official amount.
Sources
- IRS: Revenue Procedure 2026-26 (2027 applicable percentages)
- IRS: Revenue Procedure 2025-25 (2026 applicable percentages)
- HHS: Poverty guidelines
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