You might be. Your QSEHRA amount will affect your final eligibility for APTC, which is determined when you file a federal income tax return for the year. At tax time, the Internal Revenue Service (IRS) will determine your final eligibility for APTC based on how much QSEHRA your employer offered you (your eligibility for APTC is affected by the offer of QSEHRA even if you don’t use it). Your tax credit amount could also be affected by any changes in your income or other life changes during the year. If you use more tax credit than you’re eligible for, you’ll have to pay it back with your taxes. Learn more about reporting life changes at https://www.marylandhealthconnection.gov/get-answers/reporting-life-and-income-changes/.