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.
Individual & Family
ACA Marketplace (Obamacare) Short-term health insurance Medicare Medicaid
Supplemental
Dental insurance Critical Illness Insurance Accident Insurance Cancer Insurance Vision Insurance Travel Insurance
Coverage by state
A-G
Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia
H-L
Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana
M
Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana
N-R
Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island
S-W
South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Featured
The most likely targets for Medicaid cuts
We look at likely ways the government might make cuts to federal Medicaid spending – and look at the populations that the cuts would likely affect.
Calculators
Subsidy calculator Employer affordability calculator Federal poverty level calculator Annual income calculator
Featured
Miss open enrollment? You’ve got options.
Outside of the ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period.
The ACA
What's the Affordable Care Act (Obamacare)? How to shop the ACA Marketplace Open enrollment Special enrollment
In-depth guides
How to choose the best plan Self-employed: How to get covered Women's health coverage LGBTQ+ Health Coverage Medicare: Ultimate guide Medicaid: State-by-state College students & grads: Your options
Health reform & FAQs
Blog: Health reform insights FAQs Glossary Press releases
Featured
Does health insurance cover drugs used for weight loss such as Ozempic, Wegovy, Mounjaro, and Zepbound?
Health insurance may cover drugs used for weight loss such as Ozempic, Wegovy, Mounjaro, and Zepbound if they’re prescribed for another medical condition, such as diabetes, but not if they’re being used specifically for weight loss.

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.