If I don't plan to file a federal income tax return for 2027, can I still get a subsidy?

Not reliably. Premium tax credits are reconciled on your federal tax return using Form 8962, so filing is part of the program.

• You can enroll and receive advance credits if you expect to file a return for that year.
• If you received advance credits and do not file and reconcile, the Marketplace can flag you. After failing to reconcile for two consecutive tax years, you lose eligibility for advance credits and pay the full premium until you reconcile.
• If you are not required to file because your income is low, you can still file to claim or reconcile the credit.

Last reviewed October 2, 2026.