This is not legal advice. Immigration status questions belong with an immigration attorney. Marketplace application and subsidy questions belong with a HealthCare.gov navigator or a licensed Florida health agent. This page summarizes published HealthCare.gov, healthinsurance.org, and IRS materials. It does not determine status, eligibility, or tax results.
Direct answer: Starting with 2027 coverage, Marketplace premium tax credits are limited to lawful permanent residents, Cuban-Haitian entrants and COFA migrants. Refugees, asylees, people with Temporary Protected Status and many visa holders can still buy a Marketplace plan but at full price. Update your application during Open Enrollment so your 2027 price isn't a surprise in January.
Who still qualifies for a premium tax credit
HealthCare.gov’s lawfully present immigrant page and healthinsurance.org’s 2027 open-enrollment explainer list the same three statuses for Marketplace savings starting January 1, 2027:
- Lawful permanent residents (green card holders)
- Cuban or Haitian entrants
- COFA migrants (citizens of the Marshall Islands, Micronesia, and Palau living in a U.S. state or territory)
Income rules still apply. HealthCare.gov describes premium tax credits for households between 100% and 400% of the federal poverty level. See how much income is used for a subsidy in Florida.
Who loses subsidy eligibility
HealthCare.gov says other immigration statuses may still be eligible for Marketplace coverage, but not savings. That group includes many people who are lawfully present for coverage purposes, such as refugees, asylees, Temporary Protected Status holders, and people with valid non-immigrant visas. They can buy a 2027 Marketplace plan at the full premium if they are otherwise eligible to enroll.
What happens to your current plan and your renewal notice
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. December 15 is the last day to choose a plan for a January 1 start (Florida ACA Open Enrollment dates). If the 2026 plan used a premium tax credit that will not apply in 2027, the renewal notice may show a much higher premium. Read the notice and the HealthCare.gov application together. If a 2026 plan is ending, see what happens when a Marketplace plan ends.
Updating your application on HealthCare.gov
Correct immigration-status answers, household members, and income before you pick a 2027 plan. Family members who are not applying for coverage are not asked for their immigration status (HealthCare.gov immigrant-families page). A licensed Florida health agent can help you read the application and compare plans. An agent cannot give immigration-law advice.
Options at full price
If a premium tax credit is not available, compare Bronze and other metal-level plans in your ZIP, any employer coverage you can use, and other coverage you already have. See Bronze vs Silver vs Gold and Marketplace coverage in Lakeland. Do not assume last year’s net premium continues.
Want help reading a 2027 renewal notice?
Call (863) 640-3102 or email david@lakelandhealthinsurance.com. For status questions, use an immigration attorney or a HealthCare.gov navigator.
Get plan help (online) Call (863) 640-3102Related reading
- How much income qualifies for a subsidy in Florida?
- Do I have to pay back the premium tax credit?
- Bronze vs Silver vs Gold
- Florida ACA Open Enrollment dates
- Marketplace coverage in Lakeland
- Request a plan review
Common questions
Can I still buy a Marketplace plan without a subsidy?
Yes, if you are otherwise eligible to buy Marketplace coverage. HealthCare.gov says other immigration statuses may be eligible for Marketplace coverage, but not savings, starting January 1, 2027. The plan then prices at the full premium.
I'm a Cuban-Haitian entrant. Do I still qualify?
HealthCare.gov lists Cuban or Haitian entrants among the statuses that may still get Marketplace savings starting January 1, 2027, along with lawful permanent residents and COFA migrants. Confirm your current status on your HealthCare.gov application. This is not a determination of immigration status.
What if my status changes during the year?
Update the HealthCare.gov application when immigration status, household, or income changes. A change can affect whether a premium tax credit continues. Ask a HealthCare.gov navigator or an immigration attorney about the status question, and use the Marketplace application for the coverage question.
Will I have to repay 2026 credits?
The 2027 savings-status change does not, by itself, create a 2026 repayment. IRS premium tax credit reconciliation still compares the 2026 credits you received with 2026 eligibility and income, usually on Form 8962. See IRS guidance and the site's premium-tax-credit repayment explainer.
Does this affect my U.S.-citizen children?
HealthCare.gov says mixed-status families can apply for the premium tax credit or extra savings for dependent family members who qualify for Marketplace coverage. A U.S.-citizen child who is otherwise eligible can still be considered for those savings. Other household members may be able to buy a plan without savings. Confirm the household on HealthCare.gov.
Educational only. This is not legal advice and not tax advice. Plan availability and subsidy amounts are determined by HealthCare.gov and the IRS from the facts on the application and tax return.