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It will all be reconciled when you report your 1095-A on your 2025 return.
How to find your 1095-A online
Get screen-by-screen directions, with pictures (PDF, 504 KB).
To enter your 1095A go to Federal>Deductions and Credits> Medical>Affordable Care Act (Form 1095A)
If you had health insurance from the marketplace, when you applied for the insurance, you gave healthcare.gov an estimate of how much income you would receive in 2025. They used that amount to calculate how much of the insurance premium would be covered by the tax credit and how much would be your amount to pay. So...you had some monthly amounts to pay, and the rest of the cost of having that insurance was paid by the government program.
If you ended up making a higher income than you told them you would receive, they re-calculate how much should have been paid by the program and how much should have been paid by you. And if your own share of the cost should have been more, they get it back on your income tax return.
If you actually had less income, you could even get some of the share you paid back on your tax return.
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