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American Rescue Plan Act

The temporary ARPA/IRA-era expansions that made subsidies available to higher-income households through 2025 improved affordability and broadened protection for many enrollees.

Fact-Checks

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Jan 12, 2026
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Can households above 400% of the federal poverty level qualify for ACA subsidies in 2024 and under what circumstances?

Yes — households with incomes above 400% of the federal poverty level (FPL) could and did qualify for ACA premium tax credit subsidies in 2024 because the American Rescue Plan Act’s enhanced premium t...

Jan 18, 2026

How will the 2025 PTC repayment cap formulas affect tax filing and reconciliation for 2025 plan year subsidies?

The 2025 plan-year reconciliation will still use the traditional repayment-cap structure when filers reconcile advance premium tax credits (APTC) with the premium tax credit (PTC) on Form 8962, meanin...