A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-383-5527
Speak with a licensed insurance agent 888-383-5527
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why subsidy amounts in 2026 may be different.
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If my income changes and my premium subsidy is too big, will I have to repay it?
If you received advance payments of the premium tax credit for health insurance that you purchased last year on HealthCare.gov (or a state-run health insurance Marketplace) and your income ended up increasing during that year, you might have to pay back some of your premium tax credit.

Wendell Potter

Health reform advocate; best-selling author

Following a 20-year career as a corporate insurance executive, Wendell Potter left his position as head of communications for Cigna in 2008 to advocate for comprehensive health care reform. He has since been an ardent advocate for major health insurance reforms – and his contributions on the pages of this site are clear evidence of his passion for reform and his disgust over insurance industry practices of the ‘good old days‘ before Obamacare.

Potter recently launched a new media venture, Tarbell, a nonprofit web site dedicated to exposing corporate moneyed interests’ influence on energy, taxation, politics, and healthcare. Through that citizen-fueled media venture, he’s broadly expanding his whistleblower role by helping consumers understand how the system is rigged – and what they can do about it.

Potter served previously as an analyst at The Center for Public Integrity and is president of Wendell Potter Consulting. He has also served as a consumer representative to the National Association of Insurance Commissioners.

His book, Deadly Spin: An Insurance Company Insider Speaks Out on How Corporate PR Is Killing Health Care and Deceiving Americans, was awarded the Ridenhour Book Prize for “outstanding work of social significance” in 2011.

Follow Wendell Potter: Twitter | Website