Financial Help Repayment Limits

We determine the amount of financial help you receive from the federal government or the state of California, or both, based on the income and family size you entered on your application for health insurance. When you file your taxes, if you earned less in the previous year than the income you told us on your application, you may receive a credit or refund. If you earned more than the income you stated on your application, you may have to pay some or all of the financial help that you didn’t qualify for.

There are limits to the amount you may need to repay, depending on your income and if you file taxes as “Single” or something else. The limits are calculated based on the federal poverty level (FPL). See the table at the bottom of the page to learn your FPL.

These are the repayment limits for the federal premium tax credit for the 2021 tax year:

Household Income

Single

All other filers

Less than 200% FPL

$325

$650

200% - 300% FPL

$800

$1,600

300% - 400% FPL

$1,350

$2,700

Over 400% FPL

No limit

No limit

These are the repayment limits for the state subsidy (also called the “California Premium Assistance Subsidy”) for the 2021 tax year:

Household Income

Single

All other filers

Less than 200% FPL

$300

$600

200% - 300% FPL

$775

$1,550

300% - 400% FPL

$1,300

$2,600

400% - 500% FPL

$2,000

$4,000

500% - 600% FPL

$3,000

$6,000

600% - 700% FPL

$4,200

$8,400

Over 700% FPL

No limit

No limit

Example 1: A single individual with income under $25,520 would have to repay no more than $325 if they received too much federal premium tax credit, and $300 if they received too much of the state subsidy.

A single individual with income between $25,520 and $38,280 would have to repay no more than $800 if they received too much federal premium tax credit, and $775 if they received too much of the state subsidy.

Example 2: A household of two with income under $34,480 would have to repay no more than $650 if they received too much federal premium tax credit, and $600 if they received too much state subsidy.

A household of two with income between $34,480 and $51,720 would have to repay no more than $1,600 if they received too much federal premium tax credit, and $1,550 if they received too much state subsidy.

                              Household Income Ranges by Federal Poverty Level (2021)

Household Size*

Less than 200%

200% – 300%

300% – 400%

More than 400%

1

$0 - $25,520

$25,520 - $38,280

$38,280 - $51,040

$51,040 or more

2

$0 - $34,840

$34,840 - $51,720

$51,720 - $68,960

$68,960 or more

3

$0 - $43,440

$43,440 - $65,160

$65,160 - $86,880

$86,880 or more

4

$0 - $52,400

$52,400 - $78,600

$78,600 - $104,800

$104,800 or more

* For other household sizes, see the Program Eligibility by Federal Poverty Level for 2021 chart.

Please consult the California Franchise Tax Board, the Internal Revenue Service, or a tax advisor if you have questions about your specific forms, penalty amount or tax return. The information on this page is not intended as tax advice, and your situation may vary.

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