How to tell if you qualify for Trump's $500 ACA refund check, and what states are getting them

Business Insider | 01-10-2026 04:40pm |

Starting Thursday, nearly one million Americans will receive $500 checks from the Trump administration as part of a new refund program related to the Affordable Care Act (ACA). These checks are for people who bought their health insurance through HealthCare.gov and paid for their premiums without receiving any federal help or tax credits. To qualify, you must have purchased a plan through HealthCare.gov and not received any financial assistance. The refunds are only available to people in 30 specific states, not those who bought insurance through state-run marketplaces. Eligible recipients do not need to apply for the refund; checks will be mailed directly to them. If multiple people in the same household qualify, they could receive more than one check. The program is being presented as a way to refund what the administration claims were excessive charges related to the costs of running the federal marketplace.

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