Marketplace 2027 · Change in federal law

Who keeps the Marketplace tax credit in 2027 and who loses it

Starting January 1, 2027, the rules change for who can get the tax credit that lowers the monthly payment. You can still buy the plan; what changes is the help. If your plan renews on its own, you may find out from the bill.

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Health plans through RTM Brokers of Florida, Inc., a private agency not affiliated with the government. Agent Roberto Rojas Jr., NPN 8520815.

The rule starting January 1, 2027

Keep the credit

U.S. citizens
Lawful permanent residents (green card holders)
Certain Cuban and Haitian entrants, a category defined by federal law
Migrants from Micronesia, the Marshall Islands and Palau (COFA nations)

As long as they meet the income rules and the other Marketplace requirements.

Lose the credit

People granted asylum and refugees who don't have a green card yet
People with TPS
People on work or student visas
Other lawfully present categories, such as pending asylum with a work permit or parole, unless they fall under the Cuban or Haitian entrant category

They can still buy a Marketplace plan, but at full price.

Being Cuban is not the same as being a “Cuban entrant”

It is a category in federal law. It includes, for example, Cubans and Haitians who entered with parole, who have a pending asylum application, or who have an open case in immigration court, as long as there is no final order of removal.

Some cases fit and some don't. We confirm it with your document and with the Marketplace's answer on your application.

What doesn't change

If you are lawfully present, you can still buy a Marketplace plan at full price.
The credit is calculated for the family members who qualify. In the same home some may keep it and others may not.
The dates are the same: open enrollment from November 1, 2026 through January 15, 2027, and December 15 to start covered on January 1.

What already changed in 2026

Since January 1, 2026, lawfully present immigrants whose income is below 100% of the federal poverty level, and who don't qualify for Medicaid because of their status, no longer get the credit.

What to do before December 15

Find your current document

Green card, work permit, I-94 or the letter from your case. The exact category is what decides.

Call us before it renews on its own

We review what your application says and how the Marketplace responds for 2027.

Decide with numbers

If you keep the credit, we compare the plans we offer in your county. If you lose it, we tell you what the full payment would be and which alternatives we offer, before the bill arrives.

If you're waiting for your green card, tell us the same month it arrives: your eligibility changes and we review your options.

Frequently asked questions

I have a pending asylum case and a work permit. Do I lose my plan on January 1?

The plan is not cancelled because of this. What ends is the tax credit: if you do nothing, the plan may renew at full price. That's why it's worth reviewing before December 15.

I'm Cuban with parole or an I-220A. Do I keep the credit?

It depends on whether your case falls under the legal category of Cuban or Haitian entrant. Some cases do and some don't. We don't guess: we confirm it with your document and with the Marketplace's answer on your application.

My children are citizens and I'm not. Do they lose the help?

No. Citizens keep qualifying based on household income. The credit is calculated for the family members who qualify.

I've had my green card for less than five years. Does this affect me?

The five-year wait is a Medicaid rule, not a rule for the Marketplace tax credit. As a permanent resident you stay in the group that keeps the credit if you meet the income requirements. Check the 2026 change if your income is below 100% of the federal poverty level.

Is this immigration advice?

No. We are insurance agents. We explain how the change affects your health plan; for questions about your status, talk to an immigration attorney.

This page is general information, not legal or immigration advice. Eligibility is determined by the Marketplace based on your application. Sources: KFF, Health Reform: Beyond the Basics and the federal definition of Cuban and Haitian entrant (45 CFR 401.2). Updated September 19, 2026.