A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Call our agency partners 866-553-3223
Get a quote
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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Featured
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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Featured
How can downsized federal employees keep health insurance coverage in place? Is COBRA an option?
Thousands of federal government employees lost their jobs in early 2025. Here's a look at your coverage options if your federal employment has ended.

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.