The rules changed — and the safety caps are gone.
Your subsidy is an advance based on the income you estimated. At tax time, Form 8962 compares that estimate to what you actually earned. Earn more than you said, and you repay the difference. Through 2025, repayment was capped for most families. For 2026 coverage, two protections disappeared at once:
Real example: a family of four told the Marketplace $90,000, then overtime pushed them to $130,000 — just over the $128,600 limit. With a $700/month subsidy, they owe $8,400 back, in full. The fix is simple: report income changes the month they happen, and we adjust your subsidy before it becomes a debt.
Estimate your 2026 repayment.
Three numbers. Thirty seconds.
Use your best guesses — this is an estimate, not your tax return.
Numbers looking scary? Call us — reporting your income change now usually shrinks them.
Educational estimate only — not tax advice. Based on 2026 federal rules (Rev. Proc. 2025-25), the 2025 poverty guidelines for the 48 contiguous states, and a full-year subsidy set from your estimate. Your exact amount depends on your Form 1095-A benchmark plan and final return. Special rules apply below 100% of the poverty level and for married-filing-separately.
One form. Every carrier we represent.
Tell us what you need once — a licensed advisor compares options across our appointed carriers and walks you through the fit, in plain language.
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A licensed Kivulink advisor will reach out within one business day. Need help sooner? Call 832-775-2509 any time.