A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Get a quote
Speak with a licensed insurance agent 866-553-3223
Get a quote
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Missed open enrollment?
Outside of ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period. But you may have other coverage options.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
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What's the Affordable Care Act (Obamacare)? How to shop the ACA Marketplace Open enrollment Special enrollment
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Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

If I earned more or less than I expected to earn last year, how much will my premium subsidy change when I file my taxes? 

Use our premium subsidy reconciliation calculator to see how your premium subsidy could change when you file your taxes. You may have to repay some of it to the IRS, or the IRS might give you additional premium tax credit money.

Advance Premium Tax Credit (APTC) Repayment and Refund Calculator

Calculate

APTCRR Result:

Click calculate to see updated repayment/refund

HIO developed this calculator in 2024, using the IRS guidance about the premium tax credit and ATPC, as well as IRS Form 8962. This calculator is for educational and illustrative purposes only and should not be construed as financial or tax advice. It uses the income and other information you provide. Contact a trusted professional advisor or accountant about any specific requirements or concerns.