Premium tax credits · 2027
ACA subsidies in Michigan for 2027, after the enhanced credits expired
The larger pandemic-era credits are gone for now. Here’s what the regular credit still does, who loses it and how to avoid paying it back.
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- 400% cliff is back
- 2.15%–10.22% of income
- No repayment cap
Estimate my 2027 credit
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Where subsidies stand for 2027
- The enhanced credits expired. The larger premium tax credits from the American Rescue Plan and Inflation Reduction Act ended December 31, 2025 and have not been extended for 2027. The House passed a three-year extension on January 8, 2026; the Senate has not. [healthinsurance.org; KFF; CNBC]
- The regular ACA credit still applies. For 2027, the expected contribution toward the benchmark Silver plan runs from 2.15% to 10.22% of household income. [healthinsurance.org, citing IRS Rev. Proc. 2026-26]
- The 400% cliff is back. Above 400% of the federal poverty level there is no federal credit: about $63,840 for one person or $132,000 for a family of four for 2027 coverage. [healthinsurance.org]
- No repayment cap. Starting with 2026 coverage, if you get too much advance credit you repay all of the excess at tax time. [26 U.S.C. §36B; OBBBA §71305]
Status as of October 15, 2026. Congress could still change this.
Who’s hit hardest
- Households just over 400% of poverty, especially older adults, who now get no federal credit.
- Self-employed people with uneven income, who can owe money back at tax time.
Things that can lower the income the Marketplace counts include deductible retirement and HSA contributions. Ask your tax professional what fits you.
Check my numbersWhat full price looks like without a credit (2026)
| County (2026) | Insurers | Lowest Bronze, age 40 | Benchmark Silver, age 40 |
|---|---|---|---|
| Kent (Grand Rapids) | 7 | $356.39 | $471.47 |
| Wayne (Detroit) | 5 | $348.64 | $507.80 |
| Oakland (Troy) | 5 | $345.23 | $507.18 |
| Macomb (Warren) | 5 | $345.23 | $507.18 |
| Washtenaw (Ann Arbor) | 5 | $421.33 | $488.96 |
| Genesee (Flint) | 6 | $380.93 | $388.03 |
| Ingham (Lansing) | 5 | $416.21 | $448.22 |
| Kalamazoo | 6 | $422.01 | $449.91 |
| Saginaw | 4 | $400.90 | $632.60 |
| Grand Traverse | 4 | $375.09 | $591.88 |
Source: CMS QHP Landscape Individual Market Medical file, plan year 2026, computed by county. Full monthly price for a non-tobacco 40-year-old before any premium tax credit. Not a quote; 2027 prices aren’t published yet.
Plus a proposed average 14.2% increase for 2027 (subject to DIFS approval). More on Open Enrollment 2027, self-employed coverage and lowest-cost plans.
Frequently asked questions
Were the enhanced ACA subsidies extended for 2027?
Not as of October 15, 2026. They expired December 31, 2025. The House passed a three-year extension on January 8, 2026, but the Senate has not.
Who qualifies for a premium tax credit in 2027?
Generally people with expected 2027 household income between 100% and 400% of the federal poverty level who don't have affordable employer coverage. 400% is about $63,840 for one person or $132,000 for a family of four.
Do I have to pay back my subsidy?
If you get more advance credit than you qualify for, starting with 2026 coverage you repay all of the excess at tax time, with no cap.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.