APTC basics
The Advance Premium Tax Credit is paid directly to your insurer to lower your monthly premium. You choose how much of the credit to take during the year and reconcile at tax time.
Right‑sizing your credit
Take too much and you might owe at tax time; take too little and you overpay all year. We right‑size APTC based on your best‑estimate income and adjust if your income shifts.
Key tips
- Report income changes quickly.
- Re‑evaluate mid‑year if your hours or self‑employment vary.
- Coordinate with your tax preparer if needed—True North Roots can collaborate.
Need help deciding? True North Roots can compare plans, estimate your subsidy, and enroll you at no cost.