[music playing] The Taxpayer Advocate Service has created several Affordable Care Act estimator tools to help individuals and employers estimate their ACA-related credits and payments. The two estimator tools we’ll talk about today are: The Individual Shared Responsibility Provision Payment Estimator, and The Premium Tax Credit Change Estimator. The Individual Shared Responsibility Provision Payment Estimator helps you estimate the amount you may have to pay if you did not have minimum essential health insurance coverage during the year. The Premium Tax Credit Change Estimator helps you estimate how the premium tax credit will change if your income or family size changes during the year. Remember, these tools are only estimators. To calculate your actual credit or payment, you’ll need to fill out the appropriate worksheets when you file. The Taxpayer Advocate Service web site’s Get Help page has links to all of the estimator tools, or you can find them on IRS.gov by entering “ACA estimators” in the search box. Each estimator tool is set up in the same way. The only difference is the information you’ll need to enter. If it’s your first time using the estimator tool, we recommend reviewing both the Information Needed tab and Instructions tab before starting. The Real-Life Examples tab can also help you understand how the credit works. As you use the tools, extra help is available next to some of the fields, as well as on the page itself. The Taxpayer Advocate Service encourages you to use these online tools to help you better understand the tax laws that apply to you and to help you plan ahead. Taxpayer Advocate Service. Your voice, at the IRS.