For 2026, your eligible family of five or six could pay about $414 or $475 monthly for benchmark Silver coverage at exactly twice the poverty guideline, while unsubsidized family coverage can cost thousands per month; there is no single income you must earn to buy it.

If you're self-employed, you can use the individual Health Insurance Marketplace ® to enroll in flexible, high-quality health coverage that works well for people who run their own businesses.

Table A-2

|Benchmark Plan Premium, Family of Four a |$2,241 |$1,227 |$3,799 |

Table A-2, note a

The example family of four includes two 30-year-old adults and two children between 0 and 14 years of age.

(c)(1)

With respect to family members under the age of 21, the premiums for no more than the three oldest covered children must be taken into account in determining the total family premium.

Q7

In general, individuals and families may be eligible for the Premium Tax Credit if their household income for the year is at least 100 percent but no more than 400 percent of the federal poverty line for their family size.

Q7

For tax years 2021 through 2025, Congress temporarily expanded eligibility for the Premium Tax Credit by eliminating the requirement that a taxpayer’s household income may not be more than 400 percent of the federal poverty line.

Q24

The amount of the Premium Tax Credit is generally equal to the premium for the second lowest cost silver plan available through the Marketplace that applies to the members of your coverage family, minus a certain percentage of your household income.

§3.01, Applicable Percentage Table for 2026

At least 200% but less than 250% 6.60% 8.44%

2025 Federal Poverty Guidelines, household size 5

5 $37,650

2025 Federal Poverty Guidelines, household size 6

6 $43,150

Income from the previous year is used to calculate Marketplace savings for the next year.

On your Marketplace application, you’ll report your net income from your self-employment.

If you’re a lawfully present immigrant, you can get Marketplace coverage.

Premium Tax Credit Eligibility for Immigrants: What’s New

Beginning January 1, 2027, Marketplace premium tax credit (PTC) eligibility for immigrants will be restricted to eligible noncitizens, which includes individuals who are:

Premium Tax Credit Eligibility for Immigrants: What’s New

All other lawfully present individuals, who had previously been considered eligible for PTCs, will no longer be eligible beginning January 1, 2027, but can still apply for full price coverage:

You're generally eligible for Medicaid and CHIP 5 years after you get your "qualified non-citizen" status —this is called the 5-year waiting period.

States have the option to remove the 5-year waiting period for Medicaid or CHIP if you’re pregnant or a child **and** are “lawfully residing” in the U.S.

The U.S. from a foreign country or United States territory

(c)(1)

Unless specifically stated otherwise herein, a qualified individual or enrollee has 60 days from the date of a triggering event to select a QHP.

Important: If you qualify for “cost sharing reductions” (or “extra savings”) you can save a lot of money on deductibles, copayments, and coinsurance when you get care — but only if you pick a Silver plan.

2026

**2026:** No more than **$10,600** for an individual or **$21,200** for a family

Q56

There is no repayment cap for tax years after 2025.

Update your estimated annual net income when your business circumstances change.

Get estimated prices for 2026 health plans before you apply

Open Enrollment dates

Starting November 1, you can apply for 2027 coverage or update your application with any changes you expect for the year ahead.

Open Enrollment dates

**January 15:** Open Enrollment ends — last day to enroll in or change Marketplace health plans for the year. After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period.

Open Enrollment dates

**January 1:** Coverage starts for those who enroll in or change plans by December 15 and pay their first premium.

A short, plain-language Summary of Benefits and Coverage (SBC)