💚 The Hulk – Smashing Through the Numbers
Tax & Accounting — The Big Guy takes on Premium Subsidies!
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Before you enroll or renew, take a few minutes to make sure your numbers add up. A little planning can save a lot on health insurance costs. 🧮 Preview Your Estimated Subsidy Use this handy tool to see how much financial help you may qualify for: 👉 KFF Subsidy Calculator |
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💵 Estimate Your 2026 Income
Your premium subsidy is based on your projected 2026 household taxable income — including:
📄 Review Your 2024 Tax Return (Form 1040)
Use your 2024 return as a baseline, then ask:
⚠️ Watch the 400% FPL Cliff
In 2026, if your taxable income exceeds 400% of the Federal Poverty Level (FPL), you won’t qualify for premium subsidies.
🩺 Health Savings Accounts (HSAs) – New for 2026
All Bronze Marketplace plans are now HSA-compatible.
Your premium subsidy is based on your projected 2026 household taxable income — including:
- Salary, wages, and self-employment income
- Retirement or investment income
- Social Security benefits (if taken before Medicare eligibility)
📄 Review Your 2024 Tax Return (Form 1040)
Use your 2024 return as a baseline, then ask:
- What’s changing for this year (2025)?
- What’s expected to change for next year (2026)?
⚠️ Watch the 400% FPL Cliff
In 2026, if your taxable income exceeds 400% of the Federal Poverty Level (FPL), you won’t qualify for premium subsidies.
- $62,600 – Single
- $84,600 – Couple
- $128,600 – Family of 4
🩺 Health Savings Accounts (HSAs) – New for 2026
All Bronze Marketplace plans are now HSA-compatible.
- Tax-deductible contributions lower your taxable income.
- Tax-free withdrawals for qualified medical expenses.
- Flexible use for each family member (no longer just one family deductible).
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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
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