Beyond the SLCSP lookup: the whole 2026 credit
The HealthCare.gov tax tool looks up the SLCSP for your 1095-A. Premtally takes that figure and estimates the credit, the repayment and the 400% cliff with what-ifs.
| Premtally | HealthCare.gov tax tool | |
|---|---|---|
| What it gives you | Credit, refund or repayment, Form 8962 lines, income what-ifs | The SLCSP premium for months it lacks |
| 2026 rules | Rev. Proc. 2025-25 figures, 400% cliff, no repayment cap | Not a credit calculator |
| Input | 1095-A rows from CSV/Excel or the template | Your coverage details |
| Price | Free: the full Form 8962 estimate, every month and check, 5 income scenarios; 12 rows and 1 policy on screen. Pro: $7 for 7 days, $9/month or $49/year. | Free |
| Where data goes | Stays in your browser | Government site |
Honest take: use the HealthCare.gov tool for column B when it is missing, then your tax software or Form 8962 to file. Premtally is for seeing the result early — during open enrollment or before April — and testing income changes.
Competitor details checked on 2026-10-29 from their public pages: HealthCare.gov — Form 1095-A and the tax tool, IRS — Instructions for Form 8962. Prices change — check their site for the current offer. Product names are trademarks of their owners; we are not affiliated with them.
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.