insurance
APTC (Advanced Premium Tax Credit)
保険料税額控除（APTC） (hoken-ryō zeikin kōjo)
The Advanced Premium Tax Credit (APTC) is a federal subsidy that helps eligible individuals and families pay for health insurance purchased through the Marketplace. Eligibility is based on household income as a percentage of the federal poverty level and filing status. The credit can be applied in advance to monthly premiums, reducing what you pay each month, or claimed as a credit at tax filing. Income changes during the year should be reported promptly to avoid repayment at tax time.
The APTC significantly expands affordability of Marketplace plans for households between approximately 100% and 400% of the federal poverty level.
In 9 languages
| Language | Term |
|---|---|
| English | APTC (Advanced Premium Tax Credit) |
| Japanese (日本語) | 保険料税額控除（APTC） |
| Chinese (中文) | 预付保费税收抵免 |
| Korean (한국어) | 선급 보험료 세액공제 |
| Portuguese | Crédito Fiscal Antecipado |
| Spanish | Crédito Fiscal Anticipado de Prima |
| Filipino | Advanced Premium Tax Credit |
| Thai | เครดิตภาษีล่วงหน้าสำหรับเบี้ยประกัน |
| Vietnamese | Tín dụng thuế phí bảo hiểm trước |
| Romanization | hoken-ryō zeikin kōjo |
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Browse US healthcare guides →Last reviewed: September 2026