Will you owe back your 2026 health insurance subsidy?
Enter the monthly figures from Form 1095-A and your household income. Premtally works out the 2026 premium tax credit the Form 8962 way, the extra refund or what you repay, and how close you are to the 400% cliff — in your browser; nothing is uploaded.
How it works
- Copy Form 1095-A lines 21–32 into the template (or any CSV or Excel sheet): month, premium, SLCSP and advance PTC. Drop it here, or try the sample.
- Enter filing status, tax family size, state and 2026 household income, then read the credit, the refund or repayment, and the 400% cliff.
- Check the figures against Form 8962 — or update your income with the Marketplace now so the advance payments shrink.
Why Premtally
For people who buy their own health insurance on HealthCare.gov or a state Marketplace — self-employed, early retirees, gig workers — and get advance premium tax credit. In 2026 the 400% cliff is back and there is no cap on paying it back. Premtally shows what you will owe or get back before April.
Your Form 1095-A
One row per month: enrollment premium (A), SLCSP (B) and advance PTC (C). Several policies add up by month. CSV or Excel.
2026 applicable figure
2.10% to 9.96% of household income from Rev. Proc. 2025-25, with the poverty line for your family size and state.
The 400% cliff
Above 400% of the poverty line the credit is $0 for 2026. Premtally shows how far you are from the line and what $1 over costs.
No repayment cap
From 2026 every dollar of excess advance PTC is repaid (OBBBA §71305). See the figure for Schedule 2 line 2.
Income what-if
Credit and refund or repayment at 100%–400% of the poverty line and just past it, next to your own income.
Print or export
Print the worksheet for your preparer, or with Pro get the Excel workbook and the monthly, what-if and 1095-A CSVs.
Simple pricing
Free for the full Form 8962 estimate, every month and every check. Pro for the full income sweep, every row and the exports.
Free
- Any number of 1095-A rows
- Full Form 8962 estimate, every month and every check
- 5 income scenarios, 12 rows and 1 policy shown, print with a footer
- No signup, nothing uploaded
7-day pass
- 7 days of Pro, no subscription
- Full income what-if sweep past the 400% line
- Every row and policy, print without footer
- Excel workbook and monthly, what-if and 1095-A CSVs
Pro Monthly
- Everything in Pro
- Re-check when your income changes
- All exports
- Cancel anytime
Pro Yearly Best value
- Everything in Pro
- Open enrollment through April filing
- Costs less than 6 months of monthly
Prices in USD. Secure checkout by Polar, our merchant of record (its checkout shows our seller name, Launchtools). Sales tax is added at checkout in the US, Canada and India; elsewhere VAT/GST is included. Already bought? Enter your license key.
FAQ
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. 1095-A rows aren't stored, so closing the tab clears them. Settings can be saved in this browser.
What does Premtally do?
It reads the monthly figures from Form 1095-A, works out the 2026 premium tax credit with the Form 8962 method (poverty line, applicable figure, monthly contribution, monthly credit), and compares it with the advance payments to show your extra refund or what you repay.
What changed for 2026?
The enhanced credits from 2021–2025 expired, so the credit stops above 400% of the poverty line and the applicable figures run from 2.10% to 9.96% (Rev. Proc. 2025-25). The One Big Beautiful Bill Act also removed the cap on repaying excess advance PTC for tax years after 2025.
Which poverty line is used?
For 2026 coverage, the 2025 HHS poverty guidelines: $15,650 for one person plus $5,500 per extra person in the 48 states and DC, higher in Alaska and Hawaii.
What's free?
Importing any number of rows, the full Form 8962 estimate, every month, every check, 5 income scenarios, 12 rows and 1 policy on screen and in print (with a footer). Pro shows and prints everything and exports the Excel workbook and CSVs.
What is household income?
Modified AGI for you, your spouse if filing jointly, and dependents who must file: AGI plus tax-exempt interest, untaxed foreign income and non-taxable Social Security.
What isn't covered?
Shared-policy allocation (Part IV), the alternative calculation for the year of marriage (Part V), state subsidies and Medicaid eligibility. Form 8962, its instructions and a tax professional come first.
Is this tax advice?
No. Premtally applies the rules it describes to the numbers you provide. It is an estimate to check against Form 8962.