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

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…

Cruel irony: millions too poor for Medicaid photo

Cruel irony: millions too poor for Medicaid

March 20, 2014 – In states that have not expanded Medicaid, the people who most desperately need help paying for health insurance – those with the lowest…

ACA’s surprisingly successful exchanges photo

ACA’s surprisingly successful exchanges

March 12, 2014 – If North Carolina were pulling up the enrollment rear, it probably wouldn't surprise anyone. The state has a Republican Governor and…

ACA: threat to employer-sponsored plans? photo

ACA: threat to employer-sponsored plans?

February 27, 2014 – If you are among the 60 percent of Americans who have health insurance coverage through your workplace, you may be worried about how…

A health disaster waiting to happen photo

A health disaster waiting to happen

February 5, 2014 – Obamacare has offered solid footing to millions whose 'junk policies' were a disaster waiting to happen – offering the kind of coverage…

‘Bailout?’ ‘Unprecedented?’ Honestly? photo

‘Bailout?’ ‘Unprecedented?’ Honestly?

January 29, 2014 – "What [ACA critics] don't tell you is that while $25 billion is a lot of money, it is pocket change compared to the enormous amount of…

Help paying for insurance? Not interested. photo

Help paying for insurance? Not interested.

January 20, 2014 – A U.S. District Court ruling last week will ensure ACA's subsidies for millions who desperately need help with premiums, but surely…

Looking for the down side? photo

Looking for the down side?

January 19, 2014 – Despite the Journal’s headline, important progress is being made. Millions of people who previously were uninsured because they…

Just how bad are junk health policies? photo

Just how bad are junk health policies?

January 10, 2014 – In the pre-2014 individual health insurance market, the plan options ran the gamut from great to horrible. How could such worthless…

Anatomy of an Obamacare ‘horror story’ photo

Anatomy of an Obamacare ‘horror story’

January 3, 2014 – "A lack of fact checkers does not explain why the newspaper ignored the news that one of its 'victims' had found good coverage. No editor's…

Medicaid – and what having it means to ERs photo

Medicaid – and what having it means to ERs

January 2, 2014 – Although the dollars at stake are small, this finding will probably generate much partisan sniping related to health reform. Liberals will…