2027 immigrant subsidy guide
Free calculator · 2027 rules
Mixed-status family subsidy calculator
Starting in 2027, family members on a visa, with a pending green card, or with asylum or TPS no longer count for the premium tax credit. Citizen and green-card members still do. Enter each person's age and status and we apply the proposed IRS math to your household.
How the math works
- Who counts. Citizens, nationals, green card holders, Cuban/Haitian entrants and COFA migrants. Nobody else from 2027.
- Benchmark premium. The second-lowest-cost Silver plan priced for the eligible members only. The excluded members' share is left out.
- Family size and income. The poverty-line test uses the eligible members as the family size, with income scaled by the ratio of the two poverty lines.
- Credit. Benchmark minus the expected contribution for the eligible members. The whole family can still enroll in one plan; the excluded members pay full price for their share.
Premium tax credit repayment calculator →
Income came in higher than you told the Marketplace? See what you owe for 2026.
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Pending I-485? Get the subsidy back the month it is approved.
Frequently asked questions
Who counts as an eligible alien for the 2027 premium tax credit?
Lawful permanent residents (green card holders), Cuban and Haitian entrants, and people lawfully residing under a Compact of Free Association (Micronesia, Marshall Islands, Palau). Citizens and U.S. nationals always count. Everyone else who is lawfully present, such as E-2, H-1B, F-1, asylum applicants or people with a pending I-485, is excluded starting with 2027 coverage.
Can my citizen child get a subsidy if I am on a visa?
Yes. The child keeps their own eligibility. Under the proposed IRS rule, the benchmark premium and your enrollment premium leave out the ineligible members, and the subsidy covers only the eligible members. Your family size for the poverty-line test is the eligible members only, and your income is scaled proportionally.
How is household income adjusted for excluded family members?
Proposed Treas. Reg. §1.36B-3(l) multiplies household income by the ratio of the poverty line for the eligible-member family size to the poverty line for the full family size. For a $60,000 family of three with one eligible child, that is roughly $60,000 × ($15,960 / $27,320), about $35,000, tested against the one-person poverty line.
Should my citizen kids be on KidCare instead?
In Florida, a child who qualifies for Medicaid or KidCare cannot also get the marketplace credit. KidCare at $15 to $20 a month is often cheaper than a share of a marketplace plan, so compare both. Household income counts, but the parents immigration status does not affect the child.