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

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…

‘Health insurance’ that is too good to be true photo

‘Health insurance’ that is too good to be true

May 8, 2014 – "Among the plans available outside of open enrollment, there are less expensive options – that provide very little in the way of coverage…

Could Obamacare save 24,000 lives a year? photo

Could Obamacare save 24,000 lives a year?

May 5, 2014 – This back-of-the-envelope calculation implies that ACA will prevent something like 24,000 deaths every year. That’s almost the number of…

Pre-Occupied with Medicaid expansion photo

Pre-Occupied with Medicaid expansion

April 23, 2014 – Moral Mondays focuses on concrete, politically actionable grievances. Punitive voter ID laws and states’ refusal to embrace the Medicaid…

Exchanges: too big to succeed? photo

Exchanges: too big to succeed?

April 13, 2014 – This is the time for brainstorming, but how much are we willing to change? Could we revamp the whole process if it meant a more…

Reports of ACA demise: greatly exaggerated photo

Reports of ACA demise: greatly exaggerated

April 8, 2014 – For this edition of Curbside Consult, I Skyped with Dr. Jonathan Gruber, who is the Ford Professor of Economics at the Massachusetts…

Obamacare: Irreplaceable, irrepealable photo

Obamacare: Irreplaceable, irrepealable

April 7, 2014 – If you support the Affordable Care Act, know that your work is not yet done. And if you don't like it, you'll have opportunities to vote…

March ACA enrollment madness? photo

March ACA enrollment madness?

March 27, 2014 – "When you hear a final tally next month of the millions who have signed up for coverage through a public exchange, know that millions more…

Flushing away $10,000 to ‘just say No’ photo

Flushing away $10,000 to ‘just say No’

March 27, 2014 – "The vast majority of our clients are thrilled to find out they qualify for subsidies. But to some people, the premium tax credits feel…

‘I don’t need health insurance!’ photo

‘I don’t need health insurance!’

March 24, 2014 – “… And if you’re thinking “well, that would never happen to me …” consider all of the other ways that you could wake up…