@SE_in_SoCal
"Based on your actual income for the year". For self employed individuals, "your actual income for the year" (I assume you mean AGI) is dependent on the amount of HI premium paid.
Sorta, your actual income for the year for the APTC would be your Modified Adjusted Gross Income. Your MAGI is your AGI plus untaxed income such as excluded foreign income, untaxable social security benefits and untaxed interest income.
But then, if I calculate the AGI deducting both the premiums paid during the year AND the repayment APTC (which is the actual total that I will have paid for my insurance), then my AGI drops and the amount of APTC I need to repay is lower than the amount I used to calculate the AGI and that APTC repayment.
Yes, this does seem like a circular problem, but there is a workaround. You can either adjust how you enter your premiums or you can make a self-employed retirement investment as stated by dmertz in this link.
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