How APTC is calculated
The Marketplace compares your expected household MAGI to the FPL for your household size. The lower your ratio, the larger the tax credit. Your credit is applied to any plan you choose, lowering the premium.
Estimating income the right way
- Use year‑to‑date pay plus expected months remaining.
- Include unemployment benefits and self‑employment net income.
- Report significant changes promptly to avoid tax‑time surprises.
Why this matters
An accurate estimate prevents owing money back at tax time and ensures you don’t leave subsidies on the table. True North Roots double‑checks your numbers and updates the Marketplace if life changes.
Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.