2027 Subsidy Changes: Quote The New Math

The enhanced subsidy era is over. For 2027 quotes, work the new math — and set client expectations before they see January’s bill.

The Three Changes That Move Quotes

• Enhanced credits ended after 2025. The expanded APTC schedule no longer softens costs for higher-income households.
• The 400% FPL cliff is back. Above the line, premium tax credits fall to zero — one dollar of income can change the whole quote.
• Repayment caps are gone. Excess advance credits reconcile in full at tax time — estimate income carefully and document the conversation.

Quoting Discipline For 2027

• Use realistic income — not best-case. Under-estimating now creates a tax bill later.
• Medicaid line still matters: AZ, IA, MI, and OH expanded (138% FPL); FL and TX did not. Route households to the right door first.
• Pair the Marketplace plan with fixed-benefit supplemental coverage where it fits — clients feel protected when deductibles bite.

Never promise a premium or savings figure in writing. Quote in the enrollment system, explain the formula, and let the system print the number.