09/02/2026
$62,600 for one person. $128,600 for a family of four.
Land one dollar over your household's 2026 number and your
premium tax credit doesn't shrink. It goes to zero.
And here's the part most people miss: the cap on paying back
excess credit is gone for 2026. That cap used to limit what
households owed when they underestimated their income. Now
every dollar comes back at tax time — even for people who
stayed under the cutoff.
So your income estimate is now the most important number on
your application. A raise, a bonus, a strong quarter of
self-employment, capital gains, a Roth conversion — any of
them can move you.
A few things still lower the income that counts: HSA
contributions, traditional IRA or solo 401(k) deferrals, and
the year you time a Roth conversion.
Not sure where your 2026 estimate lands? Send me a message
and we'll walk through it.
Utah Healthcare Agency · American Fork · 801-449-0889
Licensed insurance agent, not a CPA. General information,
not tax advice.
