Did not make enough to qualify for the premium tax credits?

Individual/Marketplace Insurance

I’m in a weird situation. When I enrolled in my marketplace plan last year, I thought I would make enough money to hit the FPL and be eligible for the premium tax credits. Well, things fell through with my job and I have not made enough to meet the minimum FPL. Will I have to pay back those tax credits? Also, since it’s open enrollment time, can I reenroll for coverage next year? (I have another job now, so hopefully will meet the FPL minimum next year.) I’m in TN, so can’t get medicaid here.

Posted Nov 2, 2025, 12:00 AM UTC

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