PTC Shake-Up Ahead: New Rules for ACA Subsidies Start 2026!

If you receive Premium Tax Credits (PTCs) under the Affordable Care Act, be aware that the One, Big, Beautiful Bill Act makes some significant changes to the requirements. Beginning in 2028, eligible individuals must annually verify household income, immigration status and place of residence. Previously, many insured individuals were allowed to automatically re-enroll annually. And beginning in 2026, individuals who receive excess advanced PTCs based on estimated annual income must return the excess unless actual income is less than 100% of the federal poverty limit. Currently, individuals with incomes below 400% of the limit are required to make only partial repayments.