PTC

cle — Fri, 14 Nov 2025 16:52:19 GMT

Received APTC but income is only 67% of the federal proverty amount. How much of the APTC needs to be paid back? How is it recorded in Turbotax?

Re: PTC

xmasbaby0 — Fri, 14 Nov 2025 16:57:42 GMT

When you prepare your tax return you will enter a 1095A into the software, showing the amounts of the tax credit you received. You must get the 1095A from healthcare.gov.

TO FIND A 1095-A with healthcare.gov

How to find your 1095-A online

Log in to your account.
Under "Your Existing Applications," select your 2025 application — not your 2026 application.
Select “Tax Forms."
Download all 1095-As.

Get screen-by-screen directions, with pictures (PDF, 504 KB).

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.

Re: PTC

AmeliesUncle — Sat, 15 Nov 2025 03:32:13 GMT

Because you received Advance credit, you probably will still qualify for the credit even though your income is too low.

Unless you have some other disqualifying reason, you won't need to repay anything. Depending on the circumstances, you may even receive additional credit on the tax return to increase your refund.

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PTC

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