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An Advance Premium Tax Credit (APTC) is a federal tax credit that is calculated on a per tax household basis. If you are eligible to receive APTC, you may use it right away to lower what you pay for your monthly health plan premiums. Households who qualify can take the tax credit as advance payments to lower their monthly health plan premiums, making insurance more affordable.The maximum amount of APTC a tax household is eligible for is calculated and adjusted according to income, family size and the value of the second-lowest cost Silver Plan that all members of your shopping group is eligible for.In order to use APTC, you must enroll in a plan through the Health Connector. Once you enroll, you can control how much of your tax credit you want to use to help pay your monthly health plan premiums. The premium tax credit is sent directly to your insurance company each month and applied to your premium, so you pay less out of your own pocket.Download the Guide to Subsidies (PDF) → Massachusetts Health Connector health insurance plans are sold in four levels of coverage: Bronze, Silver, Gold, and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health insurance plan covers compared with what you are expected to pay in co-pays and deductibles. On average, Platinum-level plans cover 90 percent of health care costs, and you pay 10 percent; Gold plans cover 80 percent, while [...]