Quick Summary
- What Changed: The additional savings available because of the COVID pandemic ended on December 31, 2025.
- Who Qualifies in 2027: With income between 100% and 400% of the federal poverty level, you qualify for the premium tax credit that lowers your monthly premium.
- Your Action: Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1.
- Univista Contact: If you have questions about your renewal letter, call us at (305) 964-8803.
If you received a letter about your Marketplace coverage for 2027, you may have questions about your savings. Here is what changed in Obamacare subsidies and what to do during Open Enrollment. At Univista Insurance, we want to explain what this means for your wallet, without technical jargon.
What Ended on December 31, 2025
The additional savings available because of the COVID pandemic ended on December 31, 2025. If a letter told you that you may not qualify for the premium tax credit next year, this is one of the possible reasons; another is that updated income information from the IRS may show that you don’t qualify.
Who Can Get the Premium Tax Credit in 2027
With income between 100% and 400% of the federal poverty level, you qualify for the premium tax credit in all states. For 2027 coverage, that is $15,960.00 to $63,840.00 a year for one person and $33,000.00 to $132,000.00 for a family of 4.
Starting January 1, 2027, only U.S. citizens, green card holders, Cuban or Haitian entrants and COFA migrants can get the tax credit, and DACA recipients aren’t eligible for Marketplace coverage. Other lawfully present immigrants can still buy a Marketplace plan, but without those savings.
What you need to know for 2027:
- Your savings are based on your expected household income for 2027, not last year’s income.
- With very low or no income, you probably won’t qualify for Marketplace savings, but you may qualify for programs like Medicaid or CHIP.
- If your income or household changes during the year, report it to the Marketplace to avoid owing taxes for using more of the premium tax credit than you qualified for.
Impact on Your Wallet: How much will you pay?
Many clients ask us: “How much will I pay in 2027?” The short answer is: it depends on your expected household income and the plan you choose. You get exact plan prices and savings when you fill out a Marketplace application.
Univista Guide: What to do for 2027
As your insurance advisors, this is our recommendation for Open Enrollment:
1. Update your application by December 15
Starting November 1, you can apply for 2027 coverage or update your application with any changes you expect for the year ahead. By December 15, 2026:
- Update your expected income and household information, so you get the right amount of savings.
- Enroll in a plan so your coverage starts January 1.
- If you don’t act by December 15, you may be automatically re-enrolled for January 1 coverage, but you should update your information to get the right amount of savings. In some cases, you won’t be automatically re-enrolled.
2. Compare your plan options
During Open Enrollment, you can renew, change or update your plan. Call us and a licensed Univista Insurance agent will compare your options with you at no extra cost.
3. Stay informed with reliable sources
There are many rumors on social media. Do not make decisions based on a Facebook headline. Call us to verify any news.
Frequently Asked Questions
Do the extra Obamacare savings continue in 2027?
No. The additional savings available because of the COVID pandemic ended on December 31, 2025. For 2027 coverage, you qualify for the premium tax credit if your income is between 100% and 400% of the federal poverty level.
What happens if my income changes during 2027?
Report the change to the Marketplace. You could qualify for more savings, or for less savings and have to pay back the difference when you file your federal taxes.
Can I change my health plan for 2027?
Yes. The Open Enrollment Period runs from November 1, 2026 to January 15, 2027, and you need to enroll by December 15, 2026 for coverage that starts January 1. Outside those dates, you can change plans only if you qualify for a Special Enrollment Period. Call Univista at (305) 964-8803 to review your options at no extra cost.
We Help You Choose Your 2027 Plan
At Univista Insurance, our licensed agents stand by your side at every step of Open Enrollment, at no extra cost.
📢 Do you have questions about your specific case?
Don’t guess. Let a licensed agent review your policy at no extra cost.
📞 Call now: (305) 964-8803
Univista Insurance: Your best choice.
Legal Notice: The information presented is current as of October 29, 2026. Laws and regulations are subject to change. Always consult with a licensed Univista Insurance agent for the most current information applicable to your policy.
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