{"id":97162,"date":"2026-11-04T01:48:40","date_gmt":"2026-11-04T01:48:40","guid":{"rendered":"https:\/\/www.dimecuba.com\/revista\/?p=97162"},"modified":"2026-11-04T01:53:58","modified_gmt":"2026-11-04T01:53:58","slug":"obamacare-y-tus-impuestos-como-no-terminar-debiendole-dinero-al-irs","status":"publish","type":"post","link":"https:\/\/www.dimecuba.com\/revista\/vivir-trabajar-usa\/obamacare-y-tus-impuestos-como-no-terminar-debiendole-dinero-al-irs\/","title":{"rendered":"Obamacare y tus impuestos: c\u00f3mo no terminar debi\u00e9ndole dinero al IRS"},"content":{"rendered":"<p><b><span data-contrast=\"auto\">Actualizado el 3 de noviembre de 2026 \u00b7 Fuentes oficiales:<\/span><\/b> <a href=\"https:\/\/www.irs.gov\/affordable-care-act\/individuals-and-families\/the-premium-tax-credit-the-basics\"><span data-contrast=\"none\">IRS: Premium Tax Credit, lo b\u00e1sico<\/span><\/a><span data-contrast=\"auto\"> \u00b7 <\/span><a href=\"https:\/\/www.irs.gov\/tax-professionals\/eitc-central\/repayment-caps-eliminated-for-excess-advance-payments-of-the-premium-tax-credit\"><span data-contrast=\"none\">IRS: se eliminan los topes de devoluci\u00f3n<\/span><\/a><span data-contrast=\"auto\"> \u00b7 <\/span><a href=\"https:\/\/www.healthcare.gov\/reporting-changes\/\"><span data-contrast=\"none\">HealthCare.gov: reportar cambios<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si tienes Obamacare con ayuda mensual, tu seguro se calcula con un ingreso estimado. Al declarar impuestos, el IRS compara ese c\u00e1lculo con tu ingreso real. Si te dieron m\u00e1s ayuda de la que te tocaba, la diferencia hay que devolverla. Desde el a\u00f1o fiscal 2026, ya no hay un tope en esa devoluci\u00f3n. Aqu\u00ed te explicamos c\u00f3mo funciona el tema de Obamacare, impuestos y devolver el subsidio, y qu\u00e9 hacer para evitar sustos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<table style=\"height: 344px;\" width=\"899\" data-tablestyle=\"MsoTableGridLight\" data-tablelook=\"1696\" aria-rowcount=\"6\" aria-colcount=\"2\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Tema<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Lo esencial<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Cr\u00e9dito adelantado (APTC)<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Ayuda que el Mercado paga cada mes a tu aseguradora, seg\u00fan tu ingreso estimado<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Formularios<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">El 1095-A te lo manda el Mercado; con \u00e9l llenas el 8962 en tu declaraci\u00f3n<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Novedad<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Desde el a\u00f1o fiscal 2026, no hay tope: se devuelve todo lo cobrado de m\u00e1s<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"5\">\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Cu\u00e1ndo se nota<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Al declarar el a\u00f1o fiscal 2026, en 2027<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"6\">\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Qu\u00e9 hacer<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Estimar bien el ingreso, reportar cambios y revisar la solicitud cada a\u00f1o<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Qu\u00e9 es el cr\u00e9dito fiscal adelantado<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Al inscribirte en el Mercado, estimas tu ingreso del a\u00f1o. Si calificas para ayuda, puedes usar el cr\u00e9dito por adelantado para bajar tu pago mensual (la \u00abprima\u00bb). Ese adelanto se llama cr\u00e9dito fiscal adelantado, o APTC.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Seg\u00fan HealthCare.gov, puedes usar cualquier cantidad del cr\u00e9dito por adelantado. No tienes que usarlo completo.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">La conciliaci\u00f3n: formularios 8962 y 1095-A<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Al declarar, hay que \u00abconciliar\u00bb el adelanto con el cr\u00e9dito que realmente te corresponde por tu ingreso real. El IRS pide dos documentos:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Formulario 1095-A.<\/span><\/b><span data-contrast=\"auto\"> Es la declaraci\u00f3n del Mercado con tus primas y cr\u00e9ditos. Lo recibes si t\u00fa o un dependiente tuvieron seguro del Mercado.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-8962\"><b><span data-contrast=\"none\">Formulario 8962<\/span><\/b><\/a><b><span data-contrast=\"auto\">.<\/span><\/b><span data-contrast=\"auto\"> Con los datos del 1095-A, calculas si te corresponde m\u00e1s cr\u00e9dito o si te dieron de m\u00e1s.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Seg\u00fan el IRS, si recibiste cr\u00e9dito adelantado en cualquier cantidad, debes presentar una declaraci\u00f3n y adjuntar el 8962, aunque normalmente no est\u00e9s obligado a declarar. Si declaras sin conciliar, tu reembolso se atrasa y puedes afectar la ayuda de a\u00f1os futuros.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si te dieron menos de lo que te tocaba, la diferencia baja tus impuestos o aumenta tu reembolso. Si te dieron m\u00e1s, debes devolver ese exceso.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Lo nuevo: se acab\u00f3 el tope de devoluci\u00f3n<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Hasta la declaraci\u00f3n del a\u00f1o fiscal 2025, la devoluci\u00f3n del exceso ten\u00eda un l\u00edmite que depend\u00eda de tu ingreso. Seg\u00fan el <em>Kansas Health Institute<\/em>, para una persona soltera era de $375 a $1,625. Para otros contribuyentes, de $750 a $3,250.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">La ley federal de 2025 (H.R. 1) quit\u00f3 ese tope. Seg\u00fan el IRS, desde el a\u00f1o fiscal 2026 se devuelve el monto completo del exceso, sin importar el ingreso. Lo notar\u00e1s al declarar el a\u00f1o fiscal 2026, en 2027.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Adem\u00e1s, si tu ingreso real supera el 400 % del nivel federal de pobreza, no tienes derecho al cr\u00e9dito de ese a\u00f1o. En ese caso hay que devolver todo lo adelantado. Revisa los l\u00edmites en <strong><a href=\"https:\/\/www.dimecuba.com\/revista\/vivir-trabajar-usa\/tabla-de-ingresos-de-obamacare-2027-calificas-para-ayuda\/\">Tabla de ingresos de Obamacare 2027: \u00bfcalificas para ayuda?<\/a><\/strong> y el panorama completo en <\/span><a href=\"https:\/\/www.dimecuba.com\/revista\/vivir-trabajar-usa\/obamacare-2027-todo-lo-que-cambia-este-ano-explicado-facil\/\"><span data-contrast=\"none\">Obamacare 2027: todo lo que cambia este a\u00f1o, explicado f\u00e1cil<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Un ejemplo con n\u00fameros<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><i><span data-contrast=\"auto\">Los n\u00fameros son ilustrativos. No son montos reales de ayuda: tu caso depende de tu ingreso, tu plan y tu zona.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Una familia de cuatro se inscribe estimando que ganar\u00e1 $52,000 en el a\u00f1o. El Mercado le adelanta $800 al mes: $9,600 en el a\u00f1o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A mitad de a\u00f1o, uno de los dos consigue un trabajo mejor y no lo reporta. Al terminar el a\u00f1o, su ingreso real fue m\u00e1s alto. Con ese ingreso, el cr\u00e9dito que le correspond\u00eda era de $5,400.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Adelantos recibidos:<\/span><\/b><span data-contrast=\"auto\"> $9,600<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Cr\u00e9dito que le correspond\u00eda:<\/span><\/b><span data-contrast=\"auto\"> $5,400<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Exceso a devolver:<\/span><\/b><span data-contrast=\"auto\"> $9,600 \u2212 $5,400 = <\/span><b><span data-contrast=\"auto\">$4,200<\/span><\/b><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Con las reglas anteriores, esa familia habr\u00eda devuelto como m\u00e1ximo $3,250. Ahora debe devolver los $4,200 completos, y lo ve al declarar.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Qu\u00e9 hacer para evitar el susto<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:1,&quot;335552541&quot;:0,&quot;335559683&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Estima bien tu ingreso.<\/span><\/b><span data-contrast=\"auto\"> Suma todos los ingresos del hogar del a\u00f1o: sueldos, horas extra, bonos y ganancias por cuenta propia. Si dudas entre dos cifras, revisa cu\u00e1l es m\u00e1s probable<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:1,&quot;335552541&quot;:0,&quot;335559683&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Reporta los cambios cuando ocurran.<\/span><\/b><span data-contrast=\"auto\"> Seg\u00fan HealthCare.gov, si tu ingreso estimado sube o pierdes a un miembro del hogar, puedes calificar para menos ayuda. Si no lo reportas, pagar\u00e1s la diferencia al declarar<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:1,&quot;335552541&quot;:0,&quot;335559683&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Revisa tu solicitud cada a\u00f1o.<\/span><\/b><span data-contrast=\"auto\"> Los datos de enero pueden no valer en diciembre<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:1,&quot;335552541&quot;:0,&quot;335559683&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Considera usar menos cr\u00e9dito por adelantado.<\/span><\/b><span data-contrast=\"auto\"> Es una opci\u00f3n: pagas una prima mensual m\u00e1s alta, pero reduces el riesgo de deber al declarar<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"3\" data-list-defn-props=\"{&quot;335551671&quot;:1,&quot;335552541&quot;:0,&quot;335559683&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Declara siempre.<\/span><\/b><span data-contrast=\"auto\"> Aunque normalmente no tengas que hacerlo, necesitas el 8962 para conciliar el cr\u00e9dito.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Checklist: 5 cambios que debes reportar<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<ul>\n<li><span data-contrast=\"auto\">Tu ingreso sube o baja respecto a lo que estimaste.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\"> Empiezas un trabajo nuevo, haces horas extra o recibes un bono.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Alguien entra o sale del hogar: nacimiento, matrimonio, divorcio o un hijo que se muda.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Te ofrecen otro seguro, como el de un trabajo, o empiezas Medicare o Medicaid.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Te mudas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Mira la lista oficial en <\/span><a href=\"https:\/\/www.healthcare.gov\/reporting-changes\/which-changes-to-report\/\"><span data-contrast=\"none\">HealthCare.gov<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">C\u00f3mo te ayuda DimeInsurance<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">DimeInsurance te asesora, actualiza tu solicitud contigo y resuelve tus dudas. No hacemos declaraciones de impuestos: para eso, consulta a un preparador de impuestos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfCambi\u00f3 tu ingreso? Te ayudamos a actualizar tu solicitud sin costo. WhatsApp y tel\u00e9fono: <\/span><\/b><a href=\"https:\/\/wa.me\/17863054308\"><b><span data-contrast=\"none\">+1 (786) 305-4308<\/span><\/b><\/a><b><span data-contrast=\"auto\">. M\u00e1s informaci\u00f3n en <\/span><\/b><a href=\"https:\/\/www.dimeinsurance.com\/?utm_source=revista&amp;utm_medium=articulo&amp;utm_campaign=rev_261118_aca2027_4\"><b><span data-contrast=\"none\">DimeInsurance<\/span><\/b><\/a><b><span data-contrast=\"auto\">.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Preguntas frecuentes<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><b><span data-contrast=\"auto\">\u00bfQu\u00e9 pasa si mi ingreso sube a mitad de a\u00f1o?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"> Debes reportarlo al Mercado. Si no lo haces, puedes deber la diferencia al declarar. Desde 2026 no hay tope en esa devoluci\u00f3n.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfTengo que declarar si recib\u00ed el cr\u00e9dito adelantado?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"> S\u00ed. El IRS pide presentar una declaraci\u00f3n con el formulario 8962, aunque normalmente no est\u00e9s obligado.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfQu\u00e9 es el formulario 1095-A?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"> Es el documento que te env\u00eda el Mercado con tus primas y cr\u00e9ditos del a\u00f1o. Lo usas para llenar el 8962.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfPuedo usar solo una parte del cr\u00e9dito por adelantado?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"> S\u00ed. HealthCare.gov permite usar la cantidad que prefieras. As\u00ed se reduce el riesgo de deber.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfCu\u00e1ndo desapareci\u00f3 el tope de devoluci\u00f3n?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"> Desde el a\u00f1o fiscal 2026, seg\u00fan el IRS. Lo notar\u00e1s al declarar en 2027.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfDimeInsurance prepara mi declaraci\u00f3n de impuestos?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\"> No. Te ayudamos con el seguro y tu solicitud. Para la declaraci\u00f3n, consulta a un preparador.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">\u00bfCambi\u00f3 tu ingreso? Te ayudamos a actualizar tu solicitud sin costo. WhatsApp y tel\u00e9fono: <\/span><\/b><a href=\"https:\/\/wa.me\/17863054308\"><b><span data-contrast=\"none\">+1 (786) 305-4308<\/span><\/b><\/a><b><span data-contrast=\"auto\">.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">Informaci\u00f3n general; no es asesor\u00eda fiscal.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Actualizado el 3 de noviembre de 2026 \u00b7 Fuentes oficiales: IRS: Premium Tax Credit, lo b\u00e1sico \u00b7 IRS: se eliminan<\/p>\n","protected":false},"author":33,"featured_media":94917,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","wprm-recipe-roundup-name":"","wprm-recipe-roundup-description":"","video_url":"","footnotes":""},"categories":[15634],"tags":[18576],"class_list":["post-97162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivir-trabajar-usa","tag-cubanos-en-estados-unidos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Obamacare y tus impuestos: c\u00f3mo no terminar debi\u00e9ndole dinero al IRS<\/title>\n<meta name=\"description\" content=\"Desaparece el tope de devoluci\u00f3n del subsidio de Obamacare. 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