Advanced ACA Tool: Projection & Reconciliation

Smart ACA Reconciler (Form 8962)

Project your tax exposure for 2026 and analyze the impact of removing repayment caps.

Insurance Data

Monthly APTC

ES: Encuéntralo en tu factura mensual o carta del Mercado ("Crédito fiscal anticipado").

Monthly SLCSP Cost

ES: Costo del 2do plan Plata más barato en tu área (Usa HealthCare.gov para estimarlo).

Tax Family Size

ES: Tú, tu cónyuge y dependientes reclamados en tu declaración de impuestos.

Income Projection

YTD Gross Income

ES: Ingreso bruto acumulado del año hasta la fecha de tu último talón de pago.

Pre-Tax Deductions

ES: Aportes YTD a HSA, 401k o IRA tradicional.

Weeks Passed (YTD)

ES: Semanas transcurridas del año.

Estimated Additional Income

ES: Ingreso extra de aquí a fin de año (bonos, trabajos independientes, etc.).

Projected 2026 Results

Projected MAGI

Federal Poverty Level (FPL)

Annual Credit Allowed vs Received

Allowed (Derecho)

Received (Recibido)

IRS Tax Owed

Strategy Simulator

Enter a traditional IRA or HSA contribution before Dec 31 to see how it lowers your debt.

ES: Ingresa un aporte a tu IRA o HSA antes de fin de año para simular cómo baja tu deuda.

New Debt / Refund

Repayment Cap Simulator (The 400% Cliff)

This section is pre-loaded with the exact data from your 2025 Form 8962. Play with the "MAGI Income" slider to see what would have happened if you earned slightly less in 2025 (how the cap saved you) and how the removal of those caps affects the 2026 calculation.

Scenario Parameters

Tax Family Size (2025)

ES: Tamaño familiar usado en el Form. 8962 del año a analizar.

Annual APTC Received

ES: Crédito total adelantado (Form. 1095-A, Columna C).

Annual SLCSP (Benchmark)

ES: Costo anual del plan Plata de referencia (Form. 1095-A, Columna B).

Slide to change your MAGI Income

ES: Desliza para ver cómo cambia tu deuda al subir o bajar el ingreso.

$20k $97,407 $120k

Result with MAGI of

Under 2025 Rules (With Caps)

Under 2026 Rules (No Caps)

Full repayment of the excess credit without cap limits.

Tax Debt Curve: 2025 vs 2026

Horizontal axis is your income. Vertical axis is how much you owe the IRS on Form 8962.