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2025 Premium Tax Credit

The calculation and eligibility for the 2025 premium tax credit under the American Rescue Plan and Inflation Reduction Act, including cost-sharing reductions and applicable percentages.

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Jan 23, 2026
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How are ACA premium tax credits and cost-sharing reductions calculated using % of FPL in 2025?

The (PTC) is calculated by capping the enrollee’s required contribution to a “benchmark” plan as a percentage of household income measured against the federal poverty level (FPL), then paying the rema...