Am I eligible for a $500 health insurance refund? What you need to know

About 1 million Americans in 30 states using the federal Healthcare.gov exchange without subsidies will receive a one-time $500 rebate due to excess user fees that increased premiums. The 2026 fee was 2.5%, set to drop to 1.9% in 2027. Those in states with their own marketplaces or receiving subsidies are not eligible. No application is required; payments will be issued in October.