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

Has FOX News surrendered on Obamacare? photo

Has FOX News surrendered on Obamacare?

August 7, 2015 – "The fact that FOX barely mentioned [Obamacare] at all tonight was far more significant than any questions they might have brought up about…

No, Obamacare supporters. The game is not over. photo

No, Obamacare supporters. The game is not over.

June 25, 2015 – With all of the celebratory headlines about the King v Burwell ruling, the game is far from over. The ACA – which continues to help…

When Silver is worth more than Gold or Platinum photo

When Silver is worth more than Gold or Platinum

June 12, 2015 – Many Silver plan buyers in 2015 had actuarial values as high as 88% or 94% – higher than most employer-sponsored health…

Financial ruin for millions? #ThanksGOP photo

Financial ruin for millions? #ThanksGOP

June 9, 2015 – #ThanksGOP: A good 13 million or more could face financial chaos and genuine medical danger ... all because a guy at the CATO Institute…

The life-or-death impact of King v. Burwell photo

The life-or-death impact of King v. Burwell

June 3, 2015 – "There are people who are going to survive because they have gotten insurance through Obamacare – there are people who will not die…

Under the radar: still too many underinsured in U.S. photo

Under the radar: still too many underinsured in U.S.

May 22, 2015 – The Affordable Care Act has taken a big bite out of the ranks of the uninsured. But the underlying cost of healthcare in the United States…

Luis Lang wants to be Obamacare’s ‘poster child’ photo

Luis Lang wants to be Obamacare’s ‘poster child’

May 22, 2015 – Luis Lang has been working the phones to secure a spot on national television so he can help others like him who may be missing out on…

Four stories more deserving than Luis Lang’s? photo

Four stories more deserving than Luis Lang’s?

May 21, 2015 – These are just a few of the 110,000 GoFundMe pages that have been created to help people who are in dire straits at the intersection of…

Letting the air out of rate-increase hysteria photo

Letting the air out of rate-increase hysteria

May 19, 2015 – The 2016 rate-increase hysteria has already started. Before you freak out, here are four things to remember about premium-hike…

Wriggling out of a post-King crisis photo

Wriggling out of a post-King crisis

May 18, 2015 – If a SCOTUS ruling for the plaintiffs deep-sixes subsidies, could Congressional Republicans manage a 'Houdini-like'…

A conversation with crowdfunder Luis Lang photo

A conversation with crowdfunder Luis Lang

May 16, 2015 – Below is a transcript of my phone conversation with Luis Lang, a Republican South Carolinian who established a GoFundMe appeal to help with…

Obamacare supporters’ compassionate response photo

Obamacare supporters’ compassionate response

May 13, 2015 – Luis Lang is not the only conservative who needs serious help. Millions of low-income, sick, or injured Americans are uninsured or going…