I'm self-employed/semi-retired (61). My husband has health insurance through his employer and I had insurance through the state marketplace (CO) for 2023. I'm 99% certain that I qualify for a premium tax credit this year thanks to the family glitch changes, and FreeTaxUSA seems to agree, adding it to our expected refund.
But - there doesn't seem to be a place to enter the the amount that would be deducted from his paycheck for individual versus family premiums. Maybe I'm being silly, but it's stressing me out that the software is taking for granted that I qualify for the credit based on numbers it doesn't have.
How does it know his premium cost is higher than the 9.12% threshold for percent of income? Is there a form I've skipped over? It's not on my 1095-A of course, and the 1095-B just says he had insurance all year. Does his employer have to tell the IRS those figures and they'll double check when it's filed? (Am I overthinking this? LOL I just don't want to have to pay it back later if I'm wrong.)
Also, as long as I'm here, the calculators I've played with both say to enter the premium he'd have had withheld for 'family', is that accurate or should it be the 'employee + spouse' premium since there's only two of us? Asking because while I qualify either way for 2023, if it's based on the higher 'family' premium amount, I'd have room to take my 401K $ in 2024.
Thanks!