In 2014, the Affordable Care Act made some significant changes to American’s tax returns. You’re likely still getting used to the whole lot of regulations and requirements, which means you may not be completely familiar with the Premium Tax Credit.

Anyone who purchased health insurance coverage through the Marketplace may be eligible for help with their monthly premiums through a special tax credit. Taxpayers can chose to either pay an estimated amount of the credit to the insurers to cover monthly premiums or receive the credit in full when they file their tax return. If you chose to have an advance payment of the credit, the amount is estimated based on your projected household income and family size for the year.

You’ll need to file a tax return and reconcile your advance payments with the actual amount of the credit you are eligible for. You can do so using Form 8962, Premium Tax Credit, to determine the calculation between advance and actual credit amounts, as well as claim the credit if necessary. You’ll have to repay any advanced premiums made if the amount you are eligible for is less than you were given, with certain caps on repayment.

You will receive Form 1095-A, Health Insurance Marketplace Statement, by early February. This form has everything you need to file your tax return. The form states the name of your insurer, the cost of your monthly premiums, and all the members of your household who are covered as well as any additional information you may need to reconcile your premium tax credit.