A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Do I have to repay excess premium tax credits?
If you received advance premium tax credits (APTC) for health insurance you purchased last year, and your income ended up increasing, you might have to pay back some of your APTC. Learn how to determine whether you will have to repay excess APTC when you file taxes.

Expert analysis of health reform issues

Seriously: Is the Public Option really an option? photo

Seriously: Is the Public Option really an option?

July 12, 2016 – The Public Option doesn’t have a snowball’s chance of being enacted, even at the state level, as long as the insurance industry and its…

A healthcare plan that even Bernie could love? photo

A healthcare plan that even Bernie could love?

July 11, 2016 – "[Hillary Clinton's healthcare proposal] is about as close to what I could realistically hope would come out of the Hillary/Bernie primary:…

Millennials do want – and need – health insurance photo

Millennials do want – and need – health insurance

July 8, 2016 – Ignore the Obamacare naysayers. Millennials do want health insurance. In fact, the percentage of uninsured millennials has declined to 11…

About that health insurance you’ve been subsidizing photo

About that health insurance you’ve been subsidizing

June 23, 2016 – As tax payers, we've been subsidizing health insurance benefits for high-net-worth Americans for decades. In fact, since 1954,…

Obamacare’s SHOP: Takin’ care of small business photo

Obamacare’s SHOP: Takin’ care of small business

June 22, 2016 – The SHOP Marketplace helps small businesses put together a competitive benefits package, the kind that attracts and retains talented…

Will ‘Simple Choice’ plans live up to their name? photo

Will ‘Simple Choice’ plans live up to their name?

June 9, 2016 – Last month, HealthCare.gov CEO Kevin Counihan announced that "Simple Choice" plans will be available through ACA's marketplaces when open…

Hillary’s plans to sweeten the Obamacare pot photo

Hillary’s plans to sweeten the Obamacare pot

May 17, 2016 – Hillary Clinton's wish list has something for people at all points in the income distribution, very much including those at the top of…

Obamacare’s anti-discrimination protections fortified photo

Obamacare’s anti-discrimination protections fortified

May 17, 2016 – With the issuance of a final rule on Section 1557 of the Affordable Care Act, one more roadblock to full equality for the LGBT community…

Paul Ryan pulls back the curtain photo

Paul Ryan pulls back the curtain

May 9, 2016 – Ryan’s outlandish proposal is wrong on the facts and ignores recent history. But it does give us a peek at what a Republican replacement…

Why insurers thrive (or dive) in ACA marketplaces photo

Why insurers thrive (or dive) in ACA marketplaces

April 28, 2016 – Centene is happy with its marketplace profits. UHC is losing millions. Can the Iowa marketplace offer clues as to why carriers succeed or…

Suicide rates – and how Medicaid can help photo

Suicide rates – and how Medicaid can help

April 24, 2016 – Obamacare's Medicaid expansion probably wouldn't dramatically reduce the incidence of suicide in the United States. But it would…

Minnesota considers a ‘public option on steroids’ photo

Minnesota considers a ‘public option on steroids’

April 21, 2016 – If MinnesotaCare really is offered at a Silver-range price to all comers, its effective discount would be so huge that it's hard to…