Understanding the Discrepancy in Advanced Premium Tax Credit Repayment

The Advanced Premium Tax Credit (APTC) is a financial assistance program that helps individuals and families afford health insurance through the Health Insurance Marketplace. While APTCs can significantly reduce the cost of premiums, there are certain situations where individuals may end up owing money back to the government.

What Can Cause an APTC Repayment?

Overestimating Income: APTCs are based on estimated income for the year. If your actual income is significantly higher than your estimate, you may need to repay some of the tax credit.
Receiving APTC from Multiple Sources: If you receive APTC for more than one person or from different marketplaces, you may need to repay some of the credit.
Claiming Tax Credits After Receiving Employer-Sponsored Insurance: If you claim APTCs after you start or resume receiving employer-sponsored health insurance, you may need to repay some or all of the credit.

The Case of the User

Based on the post, the user is confused about why they owe money for their APTC despite their income remaining consistent. There are a few potential reasons for this:

Hidden Income: The user may have additional income, such as interest or dividends, that they did not include in their APTC application.
Incorrect Income Estimation: Even a small difference in income estimation can affect the amount of APTC received.
Changes in Family Size: If the user’s family size changed during the year, their APTC eligibility may have been affected.
Errors on the 8962 Form: The 8962 form is used to reconcile APTCs. If the user made any errors on this form, it could have resulted in an overpayment.
Technical Glitches on the Marketplace: While rare, technical glitches on the Health Insurance Marketplace can occur, leading to incorrect APTC payments.

Steps to Resolve an APTC Discrepancy

If you believe you have received an incorrect APTC payment, follow these steps:

1. Contact the Health Insurance Marketplace: Call the Marketplace at 1-800-318-2596 or visit Healthcare.gov to request assistance.
2. Review Your APTC Application: Carefully review your APTC application to ensure all information was accurate and complete.
3. Check Your Income and Family Size: Make sure your income and family size are up-to-date and correctly reported.
4. Check for Other Income: Identify any additional income you may have received that was not included in your APTC application.
5. Complete the 8962 Form: If you have not already, complete the 8962 form to reconcile your APTCs. Seek professional help if needed.
6. Consider an Appeal: If you believe you have incorrectly received an overpayment, you can file an appeal through the Marketplace.


Understanding the reasons behind APTC repayment can help you avoid overpayments in the future. By accurately estimating your income, reporting any changes in financial status, and completing the 8962 form carefully, you can ensure that you receive the correct amount of financial assistance for health insurance. If you have questions or concerns about your APTC, don’t hesitate to contact the Health Insurance Marketplace or seek professional help.

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