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Can I take an ACA premium tax credit if my CHOICE is affordable?

No. If your employer's CHOICE offer is considered affordable under IRS rules (generally, if your lowest-cost self-only coverage doesn't exceed 10.22% of your household income in 2027), you and your dependents are ineligible for premium tax credits on the ACA marketplace—even if you decline the CHOICE.
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Your employer provides an affordability determination as part of your CHOICE offer. If you have questions about your specific situation, reach out to support or consult a tax professional.

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