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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 18, 2026
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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...

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...