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

Santa, please deliver single-payer healthcare photo

Santa, please deliver single-payer healthcare

December 21, 2014 – "I think that our first step – especially at this holiday season – is to ask for a change of heart … that ultimately, you have to…

Medicaid expansion for every state’s stocking? photo

Medicaid expansion for every state’s stocking?

December 20, 2014 – This is really a tragic situation where many, many low-income Americans are not eligible for financial help at all because they live in a…

Santa, help keep the ‘affordable’ in ACA photo

Santa, help keep the ‘affordable’ in ACA

December 20, 2014 – If the Supreme Court rules in favor of the plaintiffs it could mean that people buying insurance in 34 states – that's 4 1/2 million…

Santa, please deliver relief from high deductibles photo

Santa, please deliver relief from high deductibles

December 19, 2014 – What I'd like from Santa is for him to bring the American people some relief from the high deductibles that so many of us are having to…

Your employer is dropping health coverage. Yay? photo

Your employer is dropping health coverage. Yay?

December 19, 2014 – If your employer drops your company-sponsored health insurance and sends you to the exchanges for coverage, everybody could…

The Affordable Care Act’s ‘stealth subsidy’ photo

The Affordable Care Act’s ‘stealth subsidy’

December 3, 2014 – The Chicago Tribune devoted a whole feature to the plight of low-income buyers of high-deductible Bronze plans in Illinois without once…

HealthCare.gov puts focus on the bottom line photo

HealthCare.gov puts focus on the bottom line

November 14, 2014 – The streamlining works. Entering as a single person, I was able to get to price quotes in under 30 seconds. That's very good news. A…

Over 7 million customers served photo

Over 7 million customers served

November 11, 2014 – Focusing on the fact that natural and expected attrition has reduced to around 7 million the number of individuals who have gained…

Making a mountain out of 7 million QHPs photo

Making a mountain out of 7 million QHPs

November 8, 2014 – The uninsured slice has dropped by around 26 percent in just the first year of the exchanges/Medicaid expansion being operational. That's…

The ‘good old days’ before Obamacare photo

The ‘good old days’ before Obamacare

October 25, 2014 – We Americans have short-term memory when it comes to health care. Either that or far too many of us have bought – hook, line and sinker…

ACA critics play the ‘rating game’ but it isn’t working photo

ACA critics play the ‘rating game’ but it isn’t working

October 22, 2014 – Last spring, when it was obvious that Obamacare was meeting its enrollment targets for the first year, opponents of the law needed some new…

Don’t let $418 million of FUD fool you photo

Don’t let $418 million of FUD fool you

October 16, 2014 – I should have realized that those who are opposed to the law out of economic self-interest or for political reasons would continue to spend…