Estimating Annual and Monthly Premiums

Advanced Premium Tax Credit (APTC)

• This credit is available only to individuals who purchase plans through the Exchange

• You can apply the tax credit toward a plans premium to lower its cost on a monthly basis, or wait until you file taxes and claim the credit all at once.

• The APTC is calculated using income and household size, as it relates to the Federal Poverty Level (FPL).

• There is a maximum limit on your premium contribution based on a percentage of your income.

• At no point can your yearly premium exceed 9% of your annual income.

Federal Poverty Level (FPL)

• The Federal Poverty Line (FPL) is a standard established by the Federal government.

• The FPL is calculated using household income, size of household, and the cost of living.

• For the Exchange, FPL is a guideline for determining one’s premium tax credit, sometime referred to as APTC.

INCOME LEVELS BY PERCENT OF FPL

MAXIMUM ANNUAL PREMIUM (9% OF INCOME)

MAXIMUM MONTHLY PREMIUM (9% OF INCOME)

Examples • The following 3 scenarios are designed to help you use

the FPL tables provided.

• Once you determine what your FPL percentage is, you can calculate your maximum monthly and annual premium contribution

• Depending on final tax subsidy amounts (APTC), the actual amounts may be lower, but can never exceed 9% of your annual income

Scenario 1: 4-person household with annual income of $90,000 FPL=400%

(%) of FPL

1 2 3 4 5 6 7 8

100%

$11,170

$15,130

$19,090

$23,050

$27,010

$30,970

$34,930

$38,890

125%

$13,963

$18,913

$23,863

$28,813

$33,763

$38,713

$43,663

$48,613

133%

$14,856

$20,123

$25,390

$30,657

$35,923

$41,190

$46,457

$51,724

150%

$16,755

$22,695

$28,635

$34,575

$40,515

$46,455

$52,395

$58,335

175%

$19,548

$26,478

$33,408

$40,338

$47,268

$54,198

$61,128

$68,058

185%

$20,665

$27,991

$35,317

$42,643

$49,969

$57,295

$64,621

$71,947

200%

$22,340

$30,260

$38,180

$46,100

$54,020

$61,940

$69,860

$77,780

225%

$25,133

$34,043

$42,953

$51,863

$60,773

$69,683

$78,593

$87,503

235%

$26,250

$35,556

$44,862

$54,168

$63,474

$72,780

$82,086

$91,392

250%

$27,925

$37,825

$47,725

$57,625

$67,525

$77,425

$87,325

$97,225

275%

$30,718

$41,608

$52,498

$63,388

$74,278

$85,168

$96,058

$106,948

300%

$33,510

$45,390

$57,270

$69,150

$81,030

$92,910

$104,790

$116,670

325%

$36,303

$49,173

$62,043

$74,913

$87,783

$100,653

$113,523

$126,393

350%

$39,095

$52,955

$66,815

$80,675

$94,535

$108,395

$122,255

$136,115

375%

$41,888

$56,738

$71,588

$86,438

$101,288

$116,138

$130,988

$145,838

400%

$44,680

$60,520

$76,360

$92,200

$108,040

$123,880

$139,720

$155,560

Scenario 1: Maximum Monthly premium

Scenario 1: Maximum Annual premium

Scenario 2: 2-person household with annual income of $25,000 FPL= 175%

(%) of FPL

1 2 3 4 5 6 7 8

100%

$11,170

$15,130

$19,090

$23,050

$27,010

$30,970

$34,930

$38,890

125%

$13,963

$18,913

$23,863

$28,813

$33,763

$38,713

$43,663

$48,613

133%

$14,856

$20,123

$25,390

$30,657

$35,923

$41,190

$46,457

$51,724

150%

$16,755

$22,695

$28,635

$34,575

$40,515

$46,455

$52,395

$58,335

175%

$19,548

$26,478

$33,408

$40,338

$47,268

$54,198

$61,128

$68,058

185%

$20,665

$27,991

$35,317

$42,643

$49,969

$57,295

$64,621

$71,947

200%

$22,340

$30,260

$38,180

$46,100

$54,020

$61,940

$69,860

$77,780

225%

$25,133

$34,043

$42,953

$51,863

$60,773

$69,683

$78,593

$87,503

235%

$26,250

$35,556

$44,862

$54,168

$63,474

$72,780

$82,086

$91,392

250%

$27,925

$37,825

$47,725

$57,625

$67,525

$77,425

$87,325

$97,225

275%

$30,718

$41,608

$52,498

$63,388

$74,278

$85,168

$96,058

$106,948

300%

$33,510

$45,390

$57,270

$69,150

$81,030

$92,910

$104,790

$116,670

325%

$36,303

$49,173

$62,043

$74,913

$87,783

$100,653

$113,523

$126,393

350%

$39,095

$52,955

$66,815

$80,675

$94,535

$108,395

$122,255

$136,115

375%

$41,888

$56,738

$71,588

$86,438

$101,288

$116,138

$130,988

$145,838

400%

$44,680

$60,520

$76,360

$92,200

$108,040

$123,880

$139,720

$155,560

Scenario 2: Maximum Monthly premium

Scenario 2: Maximum Annual premium

Scenario 3: 7-person household with annual income of $100,000 FPL = 300%

(%) of FPL

1 2 3 4 5 6 7 8

100%

$11,170

$15,130

$19,090

$23,050

$27,010

$30,970

$34,930

$38,890

125%

$13,963

$18,913

$23,863

$28,813

$33,763

$38,713

$43,663

$48,613

133%

$14,856

$20,123

$25,390

$30,657

$35,923

$41,190

$46,457

$51,724

150%

$16,755

$22,695

$28,635

$34,575

$40,515

$46,455

$52,395

$58,335

175%

$19,548

$26,478

$33,408

$40,338

$47,268

$54,198

$61,128

$68,058

185%

$20,665

$27,991

$35,317

$42,643

$49,969

$57,295

$64,621

$71,947

200%

$22,340

$30,260

$38,180

$46,100

$54,020

$61,940

$69,860

$77,780

225%

$25,133

$34,043

$42,953

$51,863

$60,773

$69,683

$78,593

$87,503

235%

$26,250

$35,556

$44,862

$54,168

$63,474

$72,780

$82,086

$91,392

250%

$27,925

$37,825

$47,725

$57,625

$67,525

$77,425

$87,325

$97,225

275%

$30,718

$41,608

$52,498

$63,388

$74,278

$85,168

$96,058

$106,948

300%

$33,510

$45,390

$57,270

$69,150

$81,030

$92,910

$104,790

$116,670

325%

$36,303

$49,173

$62,043

$74,913

$87,783

$100,653

$113,523

$126,393

350%

$39,095

$52,955

$66,815

$80,675

$94,535

$108,395

$122,255

$136,115

375%

$41,888

$56,738

$71,588

$86,438

$101,288

$116,138

$130,988

$145,838

400%

$44,680

$60,520

$76,360

$92,200

$108,040

$123,880

$139,720

$155,560

Scenario 3: Maximum Monthly premium

Scenario 3: Maximum Annual premium