The Problem We're Solving
If you're self-employed and buy health insurance through the ACA Marketplace, you've probably experienced this: You estimate your income in January. The government gives you a subsidy (APTC). But your income fluctuates. When April comes, you either owe thousands back or miss deductions you deserved.
The worst part? Most tax software gets it wrong because it doesn't account for the interdependence between the Self-Employed Health Insurance Deduction (SEHID) and the Premium Tax Credit (PTC).
What Makes Us Different
We implement the IRS Iterative Calculation Method from Publication 974. This is the only mathematically correct way to calculate your real cost when claiming both SEHID and PTC.
Most calculators calculate these benefits separately. We calculate them together—the way the IRS actually reconciles them.