Self-Employed? Avoid ACA Tax Surprises.
Utilize the IRS Pub. 974 method to correctly calculate your Premium Tax Credit and Self-Employed Health Deduction — before tax season.
No sign-up • No credit card • Takes 30 seconds
2026 UPDATE: The 400% FPL 'Cliff' Has Officially Returned
Enhanced ACA credits expired Jan 1, potentially doubling monthly premiums for millions (Source: KFF). With $0 repayment protection in 2026, a $1.00 error can cost your client their entire credit.
✨ FreelancerHealth is FREE through April 15th.
We're in beta and all we ask is your feedback to help us build the gold standard for Pub 974 compliance.
Here's What's Happening to Your Money
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...
The APTC Surprise
You got $300/month in "Advance Premium Tax Credit" all year. But your actual income was higher than estimated. Now you owe $2,400 back to the IRS.
The SEHID Trap
You can deduct health insurance premiums as a self-employed individual. But this deduction changes your subsidy eligibility. Most tax software gets this wrong.
The Real Cost
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.
The Overpayment Leak
Without the "Iterative Method" (IRS Pub 974), freelancers leave $500–$1,500 on the table. By not claiming the maximum deduction, you aren't just paying the IRS—you're overpaying them.
🛡️ See 48-State Accuracy in Action
Watch how our data firewall handles both standard ZIP matches (GA) and complex statewide fallbacks (NY) — filtered from over 955,000+ records to ensure CPA-grade accuracy.
🎯 What You're Seeing: Our algorithm processes 48 states + D.C. (excluding VT and ID due to reporting gaps) and automatically filters marketplace anomalies — like the 700,000+ corrupted Zip/State records we removed from raw CMS 2024 data. This ensures every SLCSP lookup is audit-ready and IRS-compliant.
🚨 Free Risk Assessment: Are You at Risk?
Answer 3 questions to see your estimated tax risk
You May Owe $1,800 at Tax Time
Based on your income, you're at risk for APTC repayment. This is just a rough estimate based on simple math.
💡 Your Risk is Real. Now Get the Optimized Calculations
Unlock the only tool that automates the complex IRS Pub 974 Iterative Method. We ensure your numbers are Tax-Filer Accurate and fully optimized based on your filing status
📊 Full IRS Compliance Calculation
Enter your complete information for an estimated calculation
⚠️ Important Note: This calculator does NOT handle Qualified Small Employer Health Reimbursement Arrangements (QSEHRA) or Individual Coverage HRAs (ICHRA). If you received these benefits, you MUST consult a CPA or tax professional for accurate calculations.
Your Results Are Ready! 🎉
🔓 Unlock Your Full Results
Enter your email to view your complete tax estimate and choose your plan
⚠️ Note: Some email providers (especially iCloud) may block or delay our emails. We recommend using Gmail, Outlook, or a work email.
By continuing, you agree to our Privacy Policy and Terms of ServiceChoose Your FREE Plan
💡 If you freelance full-time, this pays for itself if it saves you from ONE ACA penalty.
⚖️ Important Compliance Information
🏥 QSEHRA / ICHRA Limitation
This calculator does NOT handle Qualified Small Employer Health Reimbursement Arrangements (QSEHRA) or Individual Coverage HRAs (ICHRA). If you received these benefits, you MUST consult a CPA or tax professional for accurate calculations.
✅ Eligibility Requirements
This tool assumes: (1) Your health insurance plan was purchased on the official ACA Marketplace, and (2) You were NOT eligible for a subsidized employer plan for all 12 months of the tax year. If either assumption is incorrect, results may not be accurate.
📋 Not Tax Advice
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. Consult a licensed tax professional or CPA for personalized guidance.
Frequently Asked Questions
What's the difference between the free and paid calculator?
The free Risk Assessment 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. The Audit-Ready Report adds the CPA-required iteration-by-iteration audit log.
Why can't I use the Healthcare.gov calculator?
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.
What is the Audit-Ready Report and why do I need it?
The Audit-Ready Report includes the complete iteration-by-iteration breakdown showing how your SEHID and PTC converged to the final values. This documentation is critical if your return is audited or if your CPA requires proof of compliance with IRS Publication 974. It's the difference between having "an answer" and having "audit-proof documentation."
See answers to tax compliance, pricing, and technical questions
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.