Form 8962: Premium Tax Credit (PTC)
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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.
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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.
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.
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.
Household income, family size, and the federal poverty line percentage that set your contribution amount.
Monthly or annual calculation transferring premiums and SLCSP figures from Form 1095-A.
Compares the credit allowed against advance payments you already received.
Any excess advance payment you must repay (subject to limits).
Optional calculation used in the year you married, if it lowers repayment.
A single taxpayer in Denver, CO reconciles full-year Marketplace health coverage from Form 1095-A against final household income on Form 8962. All names and numbers are fictional.
Name: TAYLOR R. SAMPLE · SSN: •••-••-5120 · Line 1 Tax family size: 1 · Line 3 Household income: $45,180 · Line 5 Federal poverty line %: 300% · Line 8a Annual contribution amount: $2,711 (Monthly Line 8b: $226)
Compares household income against the applicable federal poverty line table to compute the expected annual and monthly contribution.
Col (a) Annual enrollment premiums: $6,480 · Col (b) Annual SLCSP premium: $6,720 · Col (c) Annual contribution: $2,711 · Col (d) Maximum assistance: $4,009 · Col (e) Allowed PTC: $4,009 · Col (f) Advance PTC paid: $3,840
Uses Line 11 when the taxpayer had the same Marketplace coverage and SLCSP for all 12 months.
Line 24 Total Premium Tax Credit: $4,009 · Line 25 Advance payment of PTC: $3,840 · Line 26 Net Premium Tax Credit (carried to Schedule 3, line 9): $169
Because the allowed credit ($4,009) exceeded the advance payments ($3,840), the taxpayer claims the additional $169 credit on Schedule 3.
These values are made up. They are here to show what belongs on each line, not to be copied — every name, number, and address on your own Form 8962 has to be your own.
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Form 1040, U.S. Individual Income Tax Return
Form 1095-C: Employer-Provided Health Insurance Offer and Coverage
Schedule 1 (Form 1040), Additional Income and Adjustments to Income
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Official source: Form 8962 on IRS’s website
Edition checked: 2025 Form 8962 (2 pages; OMB No. 1545-0074, Attachment Sequence No. 73). Verified against the official source on · Verified in our Government Forms Fillability Study.
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Form 8962
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