Not without filing. If you get advance premium tax credits (APTC), federal law requires you to file a federal income tax return and reconcile those credits on IRS Form 8962, even if your income is low enough that you would not otherwise have to file.
What is different for 2026 and 2027. Marketplaces normally stop your APTC if you fail to file and reconcile. In 2026 a federal court blocked that rule, and on July 27, 2026 CMS told Marketplaces to stop removing or denying APTC for failure to file and reconcile for the 2026 and 2027 plan years. So for now, a missing return does not by itself cut off your subsidy at enrollment.
Why you should still file. The filing requirement itself has not changed. If you received more APTC than you qualified for, you may have to pay some or all of it back when you file, and stricter rules are expected for 2028 coverage and later. Filing your return and Form 8962 on time is the best way to protect your subsidy.
If you missed filing for a past year, file that return and Form 8962 as soon as you can. Questions? Submit a ticket or call us at (312) 726-6565.
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