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How to check your Enhanced Premium Tax Credit

Enhanced premium tax credits are scheduled to end this year unless the United States Congress extends the program. Here’s how to check to see what credits you might be receiving and how you might be impacted.
March 13, 2025   |   2 minute read

Federal enhanced premium tax credits (ePTCs) that make healthcare more affordable for many Washingtonians are set to expire this year. As lawmakers consider whether to renew these credits or allow them to expire, it’s more important than ever to understand how these credits may impact your monthly health plan payments. 

Most individuals receive some sort of credit to subsidize their healthcare payments if their income falls within 100 – 400 percent of the Federal Poverty Level. When a person applies for health plan coverage through the Washington Health Benefit Exchange and enters their financial information, any credits that they qualify for are automatically applied to their monthly payments. 

Do these credits impact what you pay for healthcare?

To identify if any of these tax credits are currently helping to subsidize your LifeWise health plan payments, you can review the most recent bill you received. To see your latest bill:

  • Login to your account through the LifeWise Health Plan of Washington member portal
  • Using the drop-down menu at the top of the page, select My Account > Invoices. 
  • When viewing your invoice, any tax credits that apply to your monthly health plan premium can be found under “Current Coverage” listed just below your medical premium.
LifeWise Insurance Plan of Washington member invoice with ePTC

Kinds of credits, explained

Individuals and families who receive an ePTC subsidy will see their monthly health plan premiums increase if those credits are not renewed by Congress this year.

  • A line for “ePTC” on your invoice represents an enhanced premium tax credit that subsidizes your monthly payment. 
  • “APTC” represents your advanced premium tax credit that subsidizes your payment. 
  • A line for “Cascade Care Savings” indicates a Washington state tax credit that subsidizes your payments. 

If you or your family have benefited from these tax credits, the LifeWise team would love to hear your story. Be on the lookout for a text message from our team with a secure link to provide your story. We also encourage you to contact your members of Congress and encourage them to extend these important tax credits, which have helped make healthcare more affordable for millions of Americans.

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