2027 ACA Subsidy & Tax Repayment Calculator
ACA Premium Tax Credit reconciliation estimate
See your estimated ACA result
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The table behind your estimate
For 2027 insurance, your annual 2027 income is compared with the 2026 poverty guidelines in effect when enrollment begins. The two years refer to different things: 2027 coverage and the 2026 reference table.
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| People | 100%FPL | 150% | 200% | 250% | 400% |
|---|---|---|---|---|---|
| 1 | $15,960 | $23,940 | $31,920 | $39,900 | $63,840 |
| 2 | $21,640 | $32,460 | $43,280 | $54,100 | $86,560 |
| 3 | $27,320 | $40,980 | $54,640 | $68,300 | $109,280 |
| 4 | $33,000 | $49,500 | $66,000 | $82,500 | $132,000 |
| 5 | $38,680 | $58,020 | $77,360 | $96,700 | $154,720 |
| 6 | $44,360 | $66,540 | $88,720 | $110,900 | $177,440 |
| 7 | $50,040 | $75,060 | $100,080 | $125,100 | $200,160 |
| 8 | $55,720 | $83,580 | $111,440 | $139,300 | $222,880 |
Estimate only. The ACA result is not your overall federal tax refund.
What this estimate includes · Sources and methodology
Uses 2027 percentages and 2026 poverty guidelines. Assumes premiums, advances and eligibility remain constant during the covered months. Request individual review for monthly changes, shared policies, marriage during the year, separate filing, Medicaid/Medicare, employer coverage or particular immigration circumstances. State assistance and cost-sharing reductions (CSR) are not calculated.
Amounts are approximate; Form 8962 rounding and adjustments may change the final result. Interpolates using the untruncated FPL percentage and retains precision until displaying results. The illustrative premium assumes $683 for one person, $1,366 for two, and $334 per additional person; it does not use ages or ZIP code. Automatic advances are simulated from initial income: enter actual advances to reconcile payments received. Initial income also informs the special below-FPL assumption.
CMS · Below-100%-FPL rule ↗IRS · Rev. Proc. 2026-26 ↗HHS · 2026 FPL ↗IRS · Premium Tax Credit ↗