See how much help you could get with your 2027 health insurance premium. It takes about 30 seconds.
Your credit is the price of the benchmark plan minus what the IRS expects you to contribute, a percentage of income that runs from 2.15% up to 10.22% for 2027. Go over 400% of the federal poverty level and the credit stops. Read why ACA premiums jumped in 2026, or see how it works for self-employed Floridians.
The credit equals the cost of the benchmark plan (the second-lowest-cost Silver plan in your area) minus your expected contribution. Your expected contribution is a percentage of your household income, set by the IRS each year, and it rises as your income rises.
Use your estimated modified adjusted gross income (MAGI) for 2027 for everyone in your tax household. For self-employed people that is net profit after business expenses, not gross revenue.
Since the enhanced subsidies expired, households with income above 400% of the federal poverty level no longer qualify for any premium tax credit. A dollar over the line can mean paying full price for the plan.
In most cases you are not eligible for marketplace premium tax credits. Florida has not expanded Medicaid, so options can be limited. Contact us and we will review what is available to you.
No. It is an estimate based on the 2027 IRS applicable percentage table and the 2026 federal poverty guidelines for the 48 contiguous states and DC. Your actual credit is determined when you apply, and reconciled on your tax return.
So a licensed Jade Benefits advisor can look up the real plans and prices in your ZIP code and follow up with your exact numbers. It is free and there is no obligation.