Automatically model the interaction between Premium Tax Credits and the Self-Employed Health Insurance Deduction — and produce a defensible calculation package aligned with IRS Pub 974.
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.
When your self-employed clients have ACA Marketplace coverage, you're dealing with one of the most complex reconciliation problems in tax preparation. Here's what makes it difficult:
The Self-Employed Health Insurance Deduction changes their MAGI, which changes their Premium Tax Credit eligibility, which changes their deduction. Most tax software doesn't iterate this correctly.
Wrong SEHID/PTC calculations mean client callbacks in May, amended returns, and potential E&O exposure. One mistake can cost you hours of unpaid work.
When the IRS asks how you arrived at these numbers, can you show the iteration-by-iteration convergence? Most CPAs are working with Excel or manual calculations.
Explaining why their Healthcare.gov estimate was $2,000 off takes time. Your clients need to understand before they're surprised at tax time.
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.
Answer 3 questions to see your estimated tax risk
Based on their income, they're at risk for APTC repayment. This is just a rough estimate based on simple math.
Unlock the only tool that automates the complex IRS Pub 974 Iterative Method. We ensure their numbers are Tax-Filer Accurate and fully optimized based on their filing status
Enter complete client information for accurate 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.
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Professional documentation for your workpapers
💼 Volume Licensing: Practice-wide licensing and volume discounts coming soon. Contact us if you handle 20+ self-employed clients annually.
Most professional tax software doesn't correctly iterate the SEHID ↔ PTC calculation. They calculate each benefit separately, which produces inaccurate results. FreelancerHealth implements the IRS Publication 974 iterative method, which is the only mathematically correct approach. This tool is designed to supplement your tax software, not replace it.
Yes. Many tax professionals include the calculation cost in their overall preparation fee, or bill it separately as a specialized reconciliation service. The audit-ready report provides documentation that justifies the additional value.
The basic calculation provides final SEHID, PTC, and estimated cost with Form 8962 filing guidance. The audit-ready report ($49) includes a complete PDF showing iteration-by-iteration convergence, which you can attach to your workpapers or provide to the client for their records.
Yes. The calculator implements the exact methodology described in IRS Publication 974 for reconciling the Premium Tax Credit when the taxpayer is also claiming the Self-Employed Health Insurance Deduction. . The audit log shows full compliance with the iterative calculation requirement.
Our system covers 48 states + D.C. with 955,000+ verified records. For ZIPs without exact data, we use validated statewide averages from official CMS files. However, if the lookup fails, we recommend the client verify their SLCSP on Healthcare.gov or Form 1095-A (Box B), which you can then use for manual calculation.
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