Quick answer. For 2027 Marketplace coverage, the IRS table in Rev. Proc. 2026-26 sets your expected contribution between 2.15% and 10.22% of household income, for income from 100% to 400% of the poverty line. The pandemic-era extra savings ended December 31, 2025. Example: one person with $40,000 income is at 250% of the poverty line and the table gives 8.66%, about $288.67 a month (it was 8.59% for 2026).
Open enrollment is happening now. HealthCare.gov: November 1 to January 15 (by December 15 for a January 1 start). Get Covered New Jersey: November 1 to January 31, 2027 (by December 31 for January 1, by January 31 for February 1).
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For the 48 contiguous states and DC. Alaska and Hawaii use higher poverty lines; check HealthCare.gov. The Marketplace works out your actual credit when you apply, and the final amount is settled on Form 8962 with your tax return.
The official rules behind the numbers
What changed after 2025
HealthCare.gov says: "The additional savings available because of the COVID pandemic ended on December 31, 2025." The IRS premium tax credit Q&A (Q7) describes 2021 through 2025 as years when "Congress temporarily expanded eligibility." In the statute, 26 U.S.C. 36B, the special table and the set-aside of the 400% limit apply to taxable years beginning after December 31, 2020 and before January 1, 2026. The general rule is household income that "equals or exceeds 100 percent but does not exceed 400 percent" of the poverty line. The same Q&A says that for tax years after 2025 there is no cap on repaying excess advance credits.
Applicable percentage tables
Within each row the percentage rises "on a sliding scale in a linear manner" from the initial to the final figure (26 U.S.C. 36B(b)(3)(A)(i)). The estimator drops the decimals from your poverty-line percentage, as the Form 8962 instructions do.
| Household income, % of poverty line | Initial | Final |
|---|---|---|
| Less than 133% | 2.15% | 2.15% |
| 133% to under 150% | 3.23% | 4.30% |
| 150% to under 200% | 4.30% | 6.78% |
| 200% to under 250% | 6.78% | 8.66% |
| 250% to under 300% | 8.66% | 10.22% |
| 300% to 400% | 10.22% | 10.22% |
| Household income, % of poverty line | Initial | Final |
|---|---|---|
| Less than 133% | 2.10% | 2.10% |
| 133% to under 150% | 3.14% | 4.19% |
| 150% to under 200% | 4.19% | 6.60% |
| 200% to under 250% | 6.60% | 8.44% |
| 250% to under 300% | 8.44% | 9.96% |
| 300% to 400% | 9.96% | 9.96% |
Sources: Rev. Proc. 2026-26 and Rev. Proc. 2025-25. The 2027 required contribution percentage for judging employer coverage is 10.22% (9.96% for 2026).
Poverty guidelines used
The IRS Q&A says eligibility for a year uses the guidelines published as of the first day of open enrollment, and HealthCare.gov says income figures from the previous year are used for the next year's Marketplace savings. So 2026 coverage uses the 2025 figures and 2027 coverage uses the 2026 figures.
| Household size | 2025 guideline (2026 coverage) | 2026 guideline (2027 coverage) | 400% of the 2026 figure |
|---|---|---|---|
| 1 | $15,650 | $15,960 | $63,840 |
| 2 | $21,150 | $21,640 | $86,560 |
| 3 | $26,650 | $27,320 | $109,280 |
| 4 | $32,150 | $33,000 | $132,000 |
| 5 | $37,650 | $38,680 | $154,720 |
| 6 | $43,150 | $44,360 | $177,440 |
| 7 | $48,650 | $50,040 | $200,160 |
| 8 | $54,150 | $55,720 | $222,880 |
48 contiguous states and DC. Add $5,500 (2025) or $5,680 (2026) per person above eight.
New Jersey
Get Covered New Jersey is the state's Marketplace. For 2027, the Department of Banking and Insurance says open enrollment runs from November 1 through January 31, 2027, and that New Jersey Health Plan Savings, the state's own subsidies, are available to qualifying residents with household income up to 600% of the poverty level. Those state amounts aren't in this estimate.
Sources
- HealthCare.gov: Renew, change, update, or cancel your plan
- IRS: Questions and answers on the Premium Tax Credit
- 26 U.S.C. 36B, Refundable credit for coverage under a qualified health plan (govinfo)
- IRS: Rev. Proc. 2026-26 (2027 applicable percentage table)
- IRS: Rev. Proc. 2025-25 (2026 applicable percentage table)
- IRS: Instructions for Form 8962
- HealthCare.gov: Federal poverty level (FPL)
- HealthCare.gov: Premium tax credit
- Get Covered New Jersey (nj.gov)
- NJ Department of Banking and Insurance: Get Covered New Jersey open enrollment for 2027 (Oct. 28, 2026)
Sources checked November 2026.
An organizer and calculator only: general information checked November 2026 against the official sources above, not tax, insurance or benefits advice. It doesn't decide what you qualify for or owe. MCC Solutions is not affiliated with the IRS, CMS, Medicare, HealthCare.gov or Get Covered New Jersey. The tool runs in your browser, and nothing you enter is sent or saved.
Common questions
Did the extra premium tax credit savings end?
HealthCare.gov says the additional savings available because of the COVID pandemic ended on December 31, 2025. The IRS describes 2021 through 2025 as a temporary expansion, and the statute's special rule covers only taxable years beginning before January 1, 2026.
Is there an income limit again for 2027?
The general rule in 26 U.S.C. 36B is household income from 100% to 400% of the federal poverty line. The provision that set the 400% limit aside applied only to 2021 through 2025. HealthCare.gov and your Marketplace application make the actual eligibility decision.
Which poverty guidelines apply to 2027 coverage?
The IRS says eligibility uses the poverty guidelines published as of the first day of open enrollment, so 2027 coverage uses the 2026 figures (for example, $15,960 for one person in the 48 states and DC). Alaska and Hawaii have higher figures.
What is the expected contribution?
It's the share of your household income the applicable percentage table says you pay toward the benchmark silver plan. The credit generally covers the rest of the benchmark premium, limited to the premium of the plan you pick.
When is open enrollment for 2027 coverage?
On HealthCare.gov it runs November 1 to January 15; enroll by December 15 for coverage starting January 1. Get Covered New Jersey runs November 1 to January 31, 2027; enroll by December 31 for January 1 coverage.
Does New Jersey have its own savings?
Yes. The NJ Department of Banking and Insurance describes New Jersey Health Plan Savings, state subsidies for qualifying residents with household income up to 600% of the federal poverty level. Get Covered New Jersey shows them when you apply. This estimator doesn't include them.
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