Ledger&Co

An independent ACA marketplace brokerage and agent platform

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Service 02 · Individuals & families

Subsidy review

The premium tax credit is arithmetic, not a lottery. It is worth doing the arithmetic before November rather than in April.

Price
No consumer fee
Turnaround
Same day
Audience
Individuals & families
Outcome
A written recommendation
A row of brass balance weights on ruled ledger paper
Income modelling, FPL banding and cost-sharing eligibility, done before you enrol rather than discovered when you file.

What is included

Everything, itemised

No tiers, no upsell, no "premium" version of the same conversation. This is the whole service.

  • Household MAGI modelled from actual income sources, including variable and self-employment income
  • Placement against the current federal poverty level bands, with the distance to each threshold stated
  • Cost-sharing reduction eligibility and which Silver variant you would receive
  • The benchmark second-lowest-cost Silver plan for your rating area, and what it does to your credit
  • A reconciliation forecast: what you would owe or receive on Form 8962 if income lands high or low

How it runs

Four steps, in this order

The order is the method. Reversing it is how most comparisons go wrong.

  1. 01

    Collect

    Every income source for the coming year, including the ones that are hard to predict.

  2. 02

    Band

    Project MAGI, place it against the FPL table, and note how far you sit from the next band boundary.

  3. 03

    Stress

    Re-run at plus and minus twenty percent, because that is what a real year does to a real income.

  4. 04

    Advise

    How much advance credit to take now, and what to report mid-year if the number moves.

OutcomeA credit you can defend on your return, and no April surprise.

Frequently asked

About this service

Because cost-sharing reductions attach to Silver plans by statute. Between 100% and 250% of the federal poverty level, a Silver plan is silently upgraded to a 73, 87 or 94 actuarial-value variant, and the 94 variant is richer than most Gold plans while still costing a Silver premium. Choosing Bronze in that income band trades a small monthly saving for a very large deductible.

Advance credits are reconciled on IRS Form 8962 when you file. If you earned less than you projected, you receive the difference as a refundable credit. If you earned more, you repay some or all of the excess, subject to repayment caps that scale with income. Report income changes to the Marketplace during the year and the correction happens in small monthly steps instead of one bill in April.

Most applications clear without any. If the Marketplace cannot match your data to federal records it raises a data-matching issue with a deadline, usually 90 days. Income is normally cleared with recent pay stubs, a prior-year 1040, or a signed self-employment statement. Identity and lawful presence have their own document lists. Missing the deadline ends the credit, so upload early.

Also on the desk

The other three

Next

Bring your ZIP code and your prescription list.

That is genuinely all the preparation required. There is no consumer fee at any point, and no plan on the comparison is weighted by what it pays us.

Compare plansTalk to the desk

Or call the desk: (888) 555-0142