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

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…

Obamacare’s ‘victims’ photo

Obamacare’s ‘victims’

January 2, 2014 – When ‘victims’ step forward, reporters need to investigate these claims. If newspaper editors and television producers are willing to…

2014: A very good year for health coverage photo

2014: A very good year for health coverage

December 31, 2013 – Many of the newly insured are among the millions who have been unable to afford coverage in the past or have not been able to buy it at any…

What isn’t catastrophic for Obamacare photo

What isn’t catastrophic for Obamacare

December 23, 2013 – "I'm not surprised by the hyperbole. Ever since the story of cancelled policies broke, media coverage of the problem has verged on…

‘Pajama Boy’: Id of the anti-ACA machine photo

‘Pajama Boy’: Id of the anti-ACA machine

December 23, 2013 – Critics can joke all they want about 'Pajama Boy,' but the campaign's message is no joke: We owe it to our kids to have this conversation…

5 questions for real Obamacare reporters photo

5 questions for real Obamacare reporters

December 6, 2013 – Insurance industry insider Wendell Potter says that reporters who take the time to ask five simple questions can avoid being duped when…