ACA HEALTH SUBSIDIES & YOUR TAXES
Got a job after being on Marketplace coverage? You may owe money back — and the rules just changed.
2025 Tax Year — Repayment Caps (Last Year Caps Apply)
| Income Level | Single | Family |
|---|---|---|
| Under 200% FPL | $375 | $750 |
| 200% – 300% FPL | $975 | $1,950 |
| 300% – 400% FPL | $1,625 | $3,250 |
| 400% FPL & above | NO CAP | NO CAP |
⚠️ Starting 2026: ALL caps eliminated. Everyone must repay 100% of any excess subsidy. (IRS Q31, Dec 2025)
2025 Federal Poverty Level Reference
| Household | 100% FPL | 200% FPL | 400% FPL |
|---|---|---|---|
| 1 person | $15,650 | $31,300 | $62,600 |
| 2 people | $21,150 | $42,300 | $84,600 |
| 4 people | $32,150 | $64,300 | $128,600 |
Source: HHS 2025 Federal Poverty Guidelines (aspe.hhs.gov)
What You Need to Do Right Now
Log in to HealthCare.gov → click 'Report a Life Change' → update your income estimate immediately when it changes.
Set aside money for potential repayment if your income rose in 2025 and you haven't updated your Marketplace application.
If your new employer offers health insurance, compare it to your Marketplace plan — you may need to cancel Marketplace coverage.
You MUST file Form 8962 with your federal taxes if you received any Marketplace subsidies — even if you normally don't file.
Call HealthCare.gov free at 1-800-318-2596 or find a free local navigator at localhelp.healthcare.gov.
If you can't afford to repay: call the IRS at 1-800-829-1040 — payment plans are available.
📞 FREE HELP — NO COST TO CALL
HealthCare.gov Helpline: 1-800-318-2596
Free enrollment navigators: localhelp.healthcare.gov
IRS payment plans: 1-800-829-1040 or IRS.gov
Sources — Verify Everything Yourself
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