IRS · United States

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Form 8962: Premium Tax Credit (PTC)

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JustFill is not affiliated with IRS. This is an independent third-party tool to help you complete Form 8962. Always download the current blank form from the official source and verify your completed copy before signing or submitting. Official Form 8962 from IRS

Quick answer

Form 8962, Premium Tax Credit (PTC), reconciles the health-insurance subsidy you received through the Marketplace with the amount you actually qualified for based on your final income. You transfer figures from your Form 1095-A, compute the allowed credit, and report whether you owe back any advance payments or are due more. With JustFill you upload the blank IRS 8962 PDF, the AI detects each line, and you complete and download it free to attach to your Form 1040.

Form
Form 8962
Issued by
IRS
Country
United States
Cost to fill
Free

What is Form 8962?

Form 8962 is filed with your Form 1040 to reconcile the Premium Tax Credit — the subsidy that lowers Marketplace health-insurance premiums. If you took advance payments of the credit (APTC) during the year, the IRS requires this form to compare them against the credit your final income actually allows. You may get additional credit or have to repay part of the advance. The figures come from the Form 1095-A your Marketplace sends. JustFill lets you complete the 8962 online so the line-by-line amounts are clear and legible.

Download the Form 8962 form PDF — free

The official Form 8962 PDF and its instructions are free to download from the IRS at irs.gov. Open the blank PDF in JustFill to type the figures from your Form 1095-A line by line, then download the completed form to attach to your Form 1040.

Get the official Form 8962 PDF from IRS

Who fills out Form 8962?

  • Anyone who had a Marketplace (HealthCare.gov or state exchange) health plan during the year
  • Taxpayers who received advance premium tax credit payments (APTC)
  • People claiming the Premium Tax Credit they did not take in advance
  • Tax filers who received a Form 1095-A and must attach 8962 to their 1040

Field-by-field breakdown

What each section of Form 8962 asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.

Part 1 — Annual & monthly contribution

Household income, family size, and the federal poverty line percentage that set your contribution amount.

Part 2 — Premium Tax Credit claim

Monthly or annual calculation transferring premiums and SLCSP figures from Form 1095-A.

Part 2 — Reconciliation

Compares the credit allowed against advance payments you already received.

Part 3 — Repayment

Any excess advance payment you must repay (subject to limits).

Part 5 — Alternative calculation for marriage

Optional calculation used in the year you married, if it lowers repayment.

Common mistakes to avoid

  • 1Using the wrong column from Form 1095-A — column B (SLCSP) is frequently confused with the premium in column A.
  • 2Forgetting to file 8962 at all after receiving advance payments, which delays the refund or triggers an IRS notice.
  • 3Entering the wrong household size or income, which changes the poverty-line percentage and the whole calculation.

How JustFill helps you complete Form 8962

AI field detection

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Frequently asked questions

Anyone who had Marketplace health coverage and received advance premium tax credit payments, or who wants to claim the Premium Tax Credit. You file it with your Form 1040 using the figures from Form 1095-A.
Yes. Upload the official IRS PDF to JustFill — the AI detects each line, and you type the amounts from your 1095-A, then download the completed form to attach to your return.
They come from Form 1095-A, the statement your Health Insurance Marketplace sends you. JustFill makes it easy to transfer those monthly figures cleanly onto the 8962.
If you received advance credit payments and skip the 8962, the IRS will hold your refund and send a notice. Completing and attaching it avoids the delay.

Official source: Form 8962 on IRS’s website

JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by IRS or any government agency. Always verify your completed form on the official version before signing or submitting.