ExampleThe figures below are a sample household. Type over the yellow boxes with your own numbers, or press Clear all to start fresh. Nothing you enter is saved.
Projected household income–
400% of poverty line–
Advance credit to pay back–
Most income with no payback–Household income ceiling
Household
Covered by the Marketplace planBirth dateAge
Others in the tax household (not covered)
Household size for the credit: 0
Coverage
Find your benchmark premium
Projected household income
–
Enter these in the KFF calculator
KFF also asks about employer coverage and tobacco use. Copy the benchmark (second-lowest-cost silver) premium it shows into Coverage as a monthly amount.
Income and scenarios Compare up to four versions of the year
Enter amounts
Blank box: carries the column to its left
Red: differs from the first column
Calculated
Results by scenario Form 8962
Assumes the same plan and household all year; mid-year changes need a month-by-month calculation. For 2026 and later there is no cap on repaying excess advance credit. Taxable Social Security follows Pub. 915, Worksheet 1. The self-employment tax deduction counts Schedule C and partnership K-1 profit; change it if a K-1 shows different self-employment earnings.