Your Modified Adjusted Gross Income (MAGI) changes daily, but your tax software only checks it once—in April. This flawed process is why 3 out of 5 self-employed people get hit with a surprise APTC repayment bill.
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Without congressional action, 9.2 million Americans could see premiums increase by up to 114% starting January 2026. (Source: KFF.org)
Whether subsidies are renewed or not, you need to know your REAL cost NOW. Our calculator shows an estimate of what you'll pay after SEHID and PTC reconciliation.
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If your income swings throughout the year (like most freelancers), the government estimates your health insurance subsidy based on the income you predicted in January. But when April comes around...
You got $300/month in "Advance Premium Tax Credit" all year. But your actual income was higher than you estimated. Now you owe $2,400 back to the IRS.
You can deduct health insurance premiums as a self-employed person. But this deduction changes your eligibility for the subsidy. So now you need to recalculate everything. Most tax software gets this wrong.
What you thought was a $400/month premium is actually costing you $800/month after taxes and repayments. And you don't find out until it's too late to fix.
Answer 3 questions to get a rough estimate
Based on your income, you're at risk for APTC repayment. This is just a rough estimate based on simple math.
Enter your complete information for an estimated calculation
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We implement the exact algorithm from IRS Publication 974 that calculates the interdependence between your health insurance deduction and your premium tax credit. Most calculators (even TurboTax) don't do this correctly.
We show you what your estimated pay per month is after all tax benefits and repayments are factored in. No surprises in April.
See how different income levels affect your final cost. Adjust your APTC before year-end to avoid repayment.
💡 Average user saves $1,200/year in avoided overpayments
The free Quick Check gives you a rough estimate based on simple math. The paid Full Calculator uses your exact ZIP code to look up the Second Lowest Cost Silver Plan (SLCSP) and runs the complete IRS iterative calculation to give you precise numbers.
Healthcare.gov only estimates your APTC based on your predicted income. It doesn't calculate the final reconciliation or factor in the Self-Employed Health Insurance Deduction (SEHID), which changes your APTC eligibility. Our tool solves the full interdependent tax problem.
No. This is an estimator tool for planning purposes only. We use IRS-published formulas, but we recommend consulting a tax professional for personalized advice.
We implement the exact IRS Iterative Calculation Method from Publication 974. Our test cases match IRS examples within $1. However, your actual tax situation may vary based on factors not captured in the calculator.
We only store your email and calculation results after payment. We don't store financial data or personally identifiable information beyond what's needed to send you results.
Important Legal Disclaimer: This tool provides estimates for tax planning purposes only and is not tax, legal, or financial advice. The calculations are based on IRS-published formulas but do not account for all possible tax situations. You should consult a licensed tax professional or CPA for personalized guidance. FreelancerHealth.co is not affiliated with the IRS, Healthcare.gov, or any government agency.