What if a client’s circumstances change?

Changes in some circumstances can affect the PTC or CSR amount. These circumstances include change in household income; life events such as marriage, divorce, birth, or adoption of a child; other changes to household composition; and gaining or losing eligibility for government or employer health care coverage. Note that changes in household income or composition may not qualify as a life event that would allow someone to enroll during a Special Enrollment Period. It is important for clients to report accurate income information and any income or family size changes throughout the year to avoid owing money at the end of the year.