Your income changed mid-year. What should you do about your Marketplace subsidy?
Updated November 2026
Your advance subsidy is based on the income you reported when you enrolled. If your expected income for the year changes, the advance payments no longer match what you will qualify for, and the difference is settled when you file.
If your income went up
Report the change to your Marketplace as soon as possible (HealthCare.gov asks for changes within 30 days). Your advance payments will be lowered for the remaining months, which reduces the amount you could repay. With no repayment cap for 2026, waiting can be expensive.
If your income went down
Reporting it can increase your monthly assistance right away. If you don't, you will generally receive the difference when you file.
If you're close to the 400% limit
Going even $1 over means no credit for the year. Deductible IRA, HSA, or SEP-IRA contributions can bring your income back below the limit.
Estimate how a change in income affects what you may repay.
Estimate your 2026 repaymentTrack your income month by month and see when an update is worth making.
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This guide is general information, not tax advice. Clawback Check is not affiliated with HealthCare.gov, any state Marketplace, or the IRS.