A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-383-5527
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Speak with a licensed insurance agent 888-383-5527
Get a quote
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured
Can a new President make health policy changes on ‘Day One?’
When a new Commander in Chief takes office and their party also controls both chambers of Congress, how quickly can they make changes to health policy? Can policy changes happen on “Day One” of a new administration?
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Do I have to repay excess premium tax credits?
If a person receives a premium subsidy in the marketplace and then ends up with a total annual income higher than they projected, they may have to repay some or all of the premium subsidy that was paid on their behalf during the year. But the "subsidy cliff" has been temporarily eliminated by the American Rescue Plan, and that was extended through 2025 by the Inflation Reduction Act.
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Qualifying life events that trigger an ACA plan special enrollment period
Outside of ACA's open enrollment, you may be able to enroll in or change health plans during a special enrollment period if you experience a qualifying life event.

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

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APTCRR Result:

Click calculate to see updated repayment/refund

Healthinsurance.org developed this calculator 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.