Who can get savings in 2027?
| Status | Can buy a marketplace plan | Can get savings in 2027 |
|---|---|---|
| U.S. citizen or U.S. national | Yes | Yes, if you meet the income and other rules |
| Green card holder (lawful permanent resident) | Yes | Yes, if you meet the income and other rules |
| Cuban or Haitian entrant | Yes | Yes, if you meet the income and other rules |
| Compact of Free Association (COFA) migrant | Yes | Yes, if you meet the income and other rules |
| Other lawfully present immigrants, such as refugees, asylees, people with Temporary Protected Status, and people with work or student visas | Yes | No. You pay full price. |
Savings means the premium tax credit, which lowers your monthly premium, and cost-sharing reductions, which lower deductibles and copays on silver plans. COFA migrants are citizens of the Federated States of Micronesia, the Marshall Islands or Palau who live in the U.S. under the Compacts of Free Association. The change comes from a federal law passed in July 2025.
What if I already have a plan with savings?
Go back to the marketplace during open enrollment and update your application with your current immigration information. If the marketplace can confirm electronically that you are in one of the eligible groups, your savings continue as long as you meet the other rules.
If it cannot confirm your status and you do not update your application by December 15, 2026, the last day to choose a plan for January 1 coverage, your savings end January 1, 2027. You are usually re-enrolled in your plan at full price. If the check shows you are no longer lawfully present, your marketplace coverage ends.
Watch your mail. Your open enrollment notice will say if your status could not be confirmed, and a separate eligibility notice explains your right to appeal. These steps are for states that use HealthCare.gov. States that run their own marketplace follow the same law but may use different steps.
How does the marketplace check my status?
When you apply for savings, you say whether you have an eligible status and give details from your immigration documents. The marketplace checks them electronically with the Department of Homeland Security.
If it cannot confirm your status, you get 95 days to send copies of documents, such as a green card, an Employment Authorization Document or an I-94 arrival and departure record. You keep any savings you qualify for during those 95 days.
What can I do if I lose savings?
- Compare every plan in your area at full price. Bronze plans usually have the lowest premiums and the highest deductibles.
- Check whether you can get health coverage through your job or a family member's job.
- Ask whether your children or a pregnant family member qualify for Medicaid or the Children's Health Insurance Program. Some states cover lawfully residing children and pregnant women.
- If your status changes, for example you get a green card, update your application. You may qualify for savings again.
A licensed agent can compare plans from several insurers with you, at no cost.
Does this affect Medicaid?
Medicaid and CHIP use a similar list of eligible immigrant groups, and some states also cover lawfully residing children and pregnant women. Many green card holders must wait five years before they can get full Medicaid. During that wait, they may still qualify for marketplace savings if they meet the other rules.
See our Individual & Family plans
Major medical coverage for you and your household, with subsidies applied where you qualify.2027 health insurance subsidy calculator
Enter your state, household size and income to see your 2027 expected premium, your savings and whether Medicaid may apply.
Talk to a licensed agent
We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.