No cap
Until 2025, how much you repaid was capped by income. From 2026 you repay the full difference, whatever your income.
Public Law 119-21, section 71305Will you have to pay your health-insurance subsidy back?
If you earn more in 2026 than you told the Marketplace, you repay the difference at tax time, with no limit. Go $1 over 400% of the poverty line and you repay all of it. Check in 60 seconds while you can still fix it.
Your estimate
Full 2026 report, $19. Your month-by-month plan, best and worst cases, and exactly how much room you have before the cliff.
Launching this weekWhat changed for 2026
400%
Above 400% of the poverty line ($62,600 for one person, $128,600 for a family of four) you get no subsidy at all for the year.
26 U.S.C. §36B · 2025 HHS poverty guidelines30 days
You must tell the Marketplace about income changes within 30 days. Report by the 15th and the new amount starts the next month.
45 CFR §155.330Three example households, three different answers
Illustrative examples worked out with this check, not real customers.
Questions people ask
Is this tax advice?
No. It is an estimate using the official 2026 tables. Your real figure is worked out on IRS Form 8962 when you file. For your own situation, talk to a tax professional.
Where do I find my monthly subsidy?
On your Marketplace eligibility notice or your HealthCare.gov or state account, shown as "advance premium tax credit" or "APTC". It is the amount paid to your insurer each month, not the amount you pay.
What counts as income?
Your household's modified adjusted gross income: wages, self-employment profit, interest, dividends, capital gains, taxable retirement withdrawals and taxable Social Security. Contributions to a traditional IRA, HSA or pre-tax 401(k) lower it.
What if my income goes down?
You may get extra credit back when you file. Update the Marketplace so your monthly help matches.
How accurate is this?
It follows the IRS 2026 percentage table and the 2025 poverty guidelines exactly. It assumes the same subsidy every month and that your plan costs at least the subsidy. Big mid-year changes such as marriage or a new baby need a fuller calculation.