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IRS / Tax

Fill out 8962 (Premium Tax Credit) online

Form 8962 calculates the Premium Tax Credit (PTC) for individuals who purchased health insurance through the Health Insurance Marketplace. It reconciles advance credit payments received during the year with the actual credit amount based on your final income.

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8962 (Premium Tax Credit) - simplepdf.com
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How to fill out 8962 (Premium Tax Credit)

1

Enter household information

Report your family size and modified adjusted gross income (MAGI) in Part I. Calculate your household income as a percentage of the federal poverty line.

2

Enter Marketplace coverage details

Using Form 1095-A from the Marketplace, enter the monthly enrollment premiums, applicable SLCSP premium, and advance payment amounts in Part II.

3

Calculate the annual premium tax credit

Determine the allowable credit for each month based on your income percentage and the benchmark plan premium. Sum monthly amounts for the annual credit.

4

Reconcile with advance payments

Compare the total annual credit with advance payments received. If the credit exceeds advance payments, you get the difference as a refund. If advance payments exceeded the credit, you repay the excess.

About 8962 (Premium Tax Credit)

Who needs this form

Anyone who enrolled in a qualified health plan through the Health Insurance Marketplace and received advance payments of the Premium Tax Credit, or anyone who wants to claim the credit on their tax return.

Where to submit

Attach Form 8962 to your Form 1040 when filing your annual tax return. You must file this form to reconcile advance payments even if you are not otherwise required to file.

Source and content freshness

Official source (www.irs.gov)
  • Reviewed: 2026-02-16
  • Check the latest official form instructions for the filing year that applies to you.
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Not filing when advance payments were received (may delay future credits)
  • Using incorrect household income or family size
  • Not including all Marketplace coverage for the family
  • Forgetting to attach Form 1095-A from the Marketplace

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What happens if my advance payments were too high?
If your actual income was higher than estimated, you may need to repay some or all of the excess advance payments. The repayment amount is capped based on your income level. The excess is added to your tax liability on Form 1040.

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