Find the dollar that costs you everything.
The enhanced premium tax credits lapsed on 31 December 2025. Earning one dollar over 400% of the federal poverty line no longer reduces your health-insurance subsidy — it removes all of it. For a couple in their sixties that can be more than $17,000 a year.
This tool finds your exact number, tells you how much headroom you have left, and shows the arithmetic behind it.
Rule status as of September 2026: the enhanced credits lapsed 31 December 2025 and Congress has not enacted an extension, so the 400% FPL cap applies to the 2026 and 2027 estimates below.
2027 coverage — Open Enrollment dates
November 1, 2026 – January 15, 2027 on HealthCare.gov. Enroll by December 15, 2026 for coverage starting January 1, 2027.
A federal court has paused the rule that would shorten this window to December 15; that ruling is on appeal, so these dates can change. State-run Marketplaces set their own dates. Verified against HealthCare.gov on 2026-09-28 — see the official dates and deadlines.