<prompt> Human: Hi PF. I am a self-employed 26 year old male. My income from my two businesses is relatively low because both are still fairly young companies 32,000 last year take home total. I have a mutual fund worth 90,000 that is growing every week that I NEVER touch. When I report my income to Obamacare, do I have to include how much that mutual fund grew as part of my income? That would put my income at 42,000 from last year which puts me into the higher bracket as far as subsidizing my health insurance premium which sucks because I do not use those gains as part of my income.  <response>: Dividends from those investments, yes. Stock appreciation, no. You only realize a gainloss when you sell. If you are moving the funds around though, then yes, each and every sale must be reported. 