Earn $1 over $63,840 and a single person gets no premium tax credit at all for 2027 coverage — the subsidy cliff is back after the extra help expired at the end of 2025. Insurers asked for a median 15% premium rise for 2027, and guessing your income too low can mean repaying every dollar of help, with no cap. Check your income estimate before enrollment opens Sunday, November 1, and enroll by December 15 for January 1 coverage. Follow US Money Guide for daily money tips!
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