A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Call our agency partners 866-553-3223
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured
Proposed rule would bring sweeping changes to Marketplace enrollment, eligibility
A proposed federal rule issued this week would, if finalized, bring wide-ranging changes for the Affordable Care Act’s health insurance Marketplace, including a shorter open enrollment period in all states.
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How sunsetting ARP’s subsidy enhancements would affect ACA subsidy amounts
What will happen to Marketplace health insurance subsidy availability and size when the subsidy enhancements instituted under the American Rescue Plan sunset after 2025?
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Where do I find my 1095 tax form?
The 1095 tax forms are used by exchanges, employers, and health insurance companies, to report health insurance coverage to the IRS. Learn about each type of health insurance tax form and where to find it.

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.