Kivulink
Will you owe subsidy money back?
If your income ended up higher than you told the Marketplace, part of your subsidy may be repayable at tax time. Three numbers tell you where you stand — before January does.
Three numbers. Thirty seconds.
Use your best guesses — this is an estimate, not your tax return.
Numbers looking scary? Call us — reporting your income change now usually shrinks them.
Educational estimate only — not tax advice. Based on 2026 federal rules (Rev. Proc. 2025-25), the 2025 poverty guidelines for the 48 contiguous states, and a full-year subsidy set from your estimate. Your exact amount depends on your Form 1095-A benchmark plan and final return. Special rules apply below 100% of the poverty level and for married-filing-separately returns.
Numbers looking scary?
Reporting your income change to the Marketplace now usually shrinks the repayment — and we prepare Form 8962 correctly so next year's credit is protected.
- 01
Report the change
We update your Marketplace income the same week you call.
- 02
Re-run the numbers
Your subsidy adjusts going forward, capping what builds up.
- 03
File 8962 right
Insurance and taxes under one roof — the numbers finally talk to each other.