TROUT INSURANCE SERVICES
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APTC Income 2025  &  Tax Form 1040
​
APTC (Advanced Premium Tax Credit)

Please use these Resources for Determining Your Estimated Premium Subsidy

Help Reconciling Your Tax Credit
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Estimate Your Income for 2025
To determine the premium subsidy–the Marketplace uses your "MAGI" (Modified Adjusted Gross Income). PLUS the full value of any Social Security Income. This is your total income.  Line 11 on your 1040. 

Include:
  • W-2 wages, salary for All household members.
  • Self Employment Income ( net) -  Lines 8.
  • Any, All  Social Security Income – Line 6 A.
  • IRA, Pensions, Dividends – Lines 2b,3b,4b,5b.
  • Capital Gains line 7.
  • Minus line 10 – Adjustments- like IRA contributions.
  • LINE 11  plus 6a – MAGI – “Where the Subsidy Magic Lives”  

Click on Image To Enlarge
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Remember  --  Your Premium Discount / tax subsidy is based on your ESTIMATED Income.

When you do your taxes for 2024 – the IRS will reconcile your ACTUAL with your ESTIMATE.

If LOWER --  You may get the difference in the subsidy calculation back on your tax.

IF Your Income is HIGHER – You will be responsible for the difference on your 2023 tax.

​We suggest you check your Estimated Income -  found on your eligibility statement with your actual income several times a year.  NOBODY likes surprises on their tax return.
 
​
If you work with a tax professional or CPA, share this with them.  In our view, as they do your return and work on your behalf with IRS; it the THEIR responsibility to work on this for you.  
Trout Insurance Services

Monday-Friday
9:00am - 5:00pm & by appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

[email protected]
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • Health Insurance 2026
      • ACA 2025 Checklist
      • Blue Cross Blue Shield Customer Services
      • Aetna/CVS Customer Services
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fifty Plus
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
  • Community
    • WNC Strong
    • Fishbowl- Yellow Mug
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us