About Private Insurance Tax Credit

Advance Payment of Premium Tax Credit (APTC) was created under the Affordable Care Act to assist taxpayers with insurance premiums, and provides financial assistance to ensure individuals have access to health coverage. Consumers may shop for a qualified health plan using their tax credit. The APTC or tax credit is paid monthly to their health insurance provider to assist with monthly premium costs.

Advance Payment of Premium Tax Credit (APTC)

APTC can only be used with qualifying health insurance plans purchased through Your Health Idaho (YHI), Idaho's Health Insurance Exchange. The amount of the tax credit is based on the individual’s estimated modified adjusted gross income (MAGI) for the year. When tax filers file their income taxes, a reconciliation takes place based on the actual income that is reported for their household. Visit the apply page for eligibility requirements. 


Mom at doctor with child
APTC Brochure
Your Health Idaho

Your Health Idaho (YHI) is the only place where Idahoans can receive a tax credit to help offset the monthly cost of health insurance coverage. Some Idahoans may also qualify for cost-sharing reductions, which lower out-of-pocket costs for things like co-payments and prescriptions.

If you need help along the way, certified agents, brokers, and enrollment counselors are available to help you free of charge. Find free help in your area.


Single Point of Contact

To provide you with the best service, your determination and management of benefits will depend on which benefits you receive.

If you are only applying for or receiving APTC benefits, your benefits will be determined and managed by YHI. If you are receiving other benefits, such as SNAP or ICCP, you can apply for or continue to receive APTC from DHW alongside your other benefits.

Eligibility is based on household size, income, and other factors. Before you start your application for coverage, visit the tax credit estimator to see if you could be eligible for cost savings.

Your Health Idaho